# Alliance Data Card Services

> Alliance Data Card Services is the former retail-credit identity associated with today’s Bread Financial. The business combines private-label and co-branded credit cards, Bread Pay purchase financing, direct-to-consumer cards and Bread Savings deposits, earning primarily interest and fees on loans while helping merchants connect credit with customer loyalty.

- **Founded:** 1996
- **Headquarters:** Columbus, United States
- **Products:** Private-label credit card programs, Co-branded credit cards, Bread Pay, Bread Cashback American Express Credit Card, Bread Rewards American Express Credit Card
- **Notable:** About 34 million open and outstanding accounts at year-end 2025., Long-term renewals with Sephora and Signet announced in 2026., Third-quarter 2026 net income of $156 million.

## Products & services

- **Private-label credit card programs** — Retailer-branded revolving credit, supported by underwriting, funding, servicing, fraud prevention and marketing.
- **Co-branded credit cards** — Brand-affiliated cards on payment networks, combining rewards and lending; partners include Sephora, Signet brands and the NFL.
- **Bread Pay** — Merchant-integrated installment and split-pay purchase financing; more than 1,400 SMB retailers and merchants served at year-end 2025. Acquired in December 2020.
- **Bread Cashback American Express Credit Card** — Direct-to-consumer general-purpose rewards credit card, launched in 2022.
- **Bread Rewards American Express Credit Card** — Direct-to-consumer general-purpose rewards credit card.
- **Bread Savings** — Online retail deposits, including savings accounts and certificates of deposit, supporting the lending business.

## Achievements

- About 34 million open and outstanding accounts at year-end 2025.
- Long-term renewals with Sephora and Signet announced in 2026.
- Third-quarter 2026 net income of $156 million.
- 2026 giving campaign raised more than $2.1 million for 1,013 nonprofits.

## Latest updates

- **2026-10** — October 22: announced a long-term renewal of Sephora’s credit and loyalty agreement.
- **2026-10** — October 22: reported Q3 2026 net income of $156 million, consumer deposits of $9.9 billion and a net loss rate of 6.40%.
- **2026-10** — October 7: reported more than $2.1 million raised through its giving campaign.
- **2026-09** — September 15: renewed Signet agreement and announced planned Blue Nile credit capabilities.
- **2026-08** — August 26: NFL Extra Points American Express card program launched.

## Links

- Website: https://www.breadfinancial.com/
- LinkedIn: https://www.linkedin.com/company/bread-financial
- Twitter/X: https://twitter.com/BreadFinancial
- Instagram: https://www.instagram.com/breadfinancial
- Facebook: https://www.facebook.com/breadfinancial

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Profile page: https://yespress.io/alliance-data-card-services
Published by YesPress — https://yespress.io
Last updated: 2026-10-25