If you’re ready to apply, choose your team logo, then select the Apply Now button.
Reward Your Fandom
With the New Orleans Saints Extra Points American Express® Credit Card
+ No Annual Fee⁵
3% in Rewards
on qualifying NFL purchases and NFL Team purchases¹
2% in Rewards
on grocery store, food delivery, restaurants, gyms and sporting good store purchases¹
1% in Rewards
on all other purchases¹
3% in Rewards
on qualifying NFL purchases and NFL Team purchases¹
2% in Rewards
on grocery store, food delivery, restaurants, gyms and sporting good store purchases¹
1% in Rewards
on all other purchases¹
THE BENEFITS KEEP COMING WITH YOUR NFL EXTRA POINTS CREDIT CARD
$100 Cash Back
when you spend $500 on purchases outside of the NFL in your first 90 days from open date.Paid as a statement credit²
Special Financing on NFL Tickets
when you spend $250 or more at NFL Team Ticket Offices, Ticketmaster, SeatGeek, and Sports Illustrated Tickets with your NFL Extra Points Credit Card³
25% Off
NFLShop.com purchases made with your NFL Extra Points Credit Card with code EXTRAPOINTS⁴
Redeem Points
for cash back (paid as statement credit), game tickets, NFL experiences, gift cards, memorabilia, and more!
ELEVATE YOUR CARD EXPERIENCE WITH ACCESS TO AMERICAN EXPRESS® NETWORK BENEFITS
Amex Experiences™
Make the most of exciting events across music, theatre, sports and more
If you have one favorite NFL team, it’s easy! Just scroll through the team logos, pick your team and apply. Your team-branded card should arrive in a couple weeks, then you can start spending and earning. If you’re a fan of more than one team, sorry but you'll have to choose a favorite (don’t worry, we won’t tell the other team).
No, there is no annual fee⁵ associated with the NFL Extra Points card.
Yes! You will enjoy special financing on ticket purchases of $250 or more made at identified ticket providers.³ Plus, you'll earn points for every dollar on your ticket purchases made with your NFL Extra Points Card.
While you can earn rewards points every time you use your card, some offers have maximum limits as part of the promotion. Please reference the Rewards Terms and Conditions for full program details.
Your NFL rewards points will expire if not redeemed after 5 years. Rewards are subject to Rewards Terms and Conditions.
Find your Account Center to activate online immediately or dial the number on your card. When you activate, please have your new card and information ready. If you have authorized buyers, you can also activate their cards, you’ll just need the last four digits of each card.
You can pay your bill online 24 hours a day, 7 days a week. Find your Account Center or go to the link on the back of your card. To avoid a late fee, your payment must be successfully submitted by 5 p.m., Eastern Time (ET) on or before your due date.
NFL Extra Points Rewards Program Terms (“Program Terms”)
As of August 20, 2026
Important note: These program terms are subject to the jury trial waiver and arbitration provision in your credit card account agreement that limit our liability to you, eliminate your right to a trial by jury, require you to resolve disputes with us on an individual basis and not as a part of any class or representative action, and through final and binding arbitration.
Please read these Program Terms carefully for important information about your rights and obligations in the NFL Extra Points Credit Card Rewards Program (“Program”). By participating in the Program, you agree to these Program Terms.
The Program is provided by Comenity Capital (“Bank”). Comenity Capital Bank is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at any time. The purpose of the Program is to reward customers for certain uses of their NFL Extra Points American Express® Credit Card, Extra Points Visa® Credit Card, or Extra Points Mastercard® Credit Card (“Card.”) The Program Terms may be supplemented with additional terms, conditions, and disclosures, including but not limited to applicable terms related to any promotional offers provided to you for use with the Program.
For the most up-to-date terms, please visit comenity.net/nfl
General Information
The Program allows you to earn points (“points”) on the amount you spend as described in the “Earning Points” section below, using your NFL Extra Points American Express® Credit Card Account, Extra Points Visa® Credit Card Account, or Extra Points Mastercard® Credit Card Account (your “Account”). Your Extra Points Credit Card issuing network will vary by team. Your network is based on your card selection. You can then redeem points for certain Rewards Catalog Items (“Rewards”) as described inpolicy can be obtained at comenity.net/nfl and the NFL privacy policy the “Issuing Rewards and Redemption” section below. You can redeem points for Rewards through the Account Center at comenity.net/nfl (“Account Center”).
These Program Terms are separate from your Card Account Agreement (your “Account Agreement”), which governs the use of your Account. In the event of any conflict between these Program Terms and your Account Agreement, these Program Terms will control in any matter relating to the Program. By using your Account, you agree to be bound by these Program Terms.
All information collected about you in connection with the Program is subject to the Comenity Capital Bank and National Football League (“NFL”) privacy policies. Comenity Capital Bank’s privacy policy can be obtained at comenity.net/nfl and the NFL privacy policy can be obtained at https://www.nfl.com/legal/privacy/.
Earning Points
You may have to register to qualify for the offer. Comenity Capital Bank may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Certain offers may only be communicated via email. Tax and shipping charges are excluded from specials offers and bonuses.
You will earn points when you, or an authorized user, make eligible purchases of goods and services for personal, family and household purposes using your Account, minus any returns, refunds or credit adjustments (“Net Eligible Purchases”). Starting June 20, 2022 point earn is rounded to the nearest whole point value using standard rounding. Earning calculations that end in .5 will round up to the next whole point value. For example, earn calculated to 1.5 points rounds to 2 points. All calculations that result in less than .5 will round down. For example, calculated earn of 1.4 points would round to 1 point.
Using your Card you will earn:
- 3% back in Rewards for each $1 of Net Eligible Purchases made at NFLShop.com, NFL Team Retail Stores, NFL Team Online Stores, NFL Team Stadiums and qualifying NFL Game Ticket Purchases made at NFL Team Ticket Offices, Ticketmaster, SeatGeek and Sports Illustrated Tickets. 3% back in Rewards is calculated as points earned, where 3% back earned is equal to 3 points per $1 spent.
- 2% back in Rewards for each $1 of Net Eligible Purchases made at bars and restaurants, and on groceries, food delivery, sporting good stores and fitness purchases such as memberships and gyms, as identified by Merchant Classification Codes as described in the Bonus points for Special Offers section. 2% back in Rewards is calculated as points earned, where 2% back earned is equal to 2 points per $1 spent.
- 1% back in Rewards for each $1 of Net Eligible Purchases made everywhere your Card is accepted. 1% back in Rewards is calculated as points earned, where 1% back earned is equal to 1 point per $1 spent.
Points are earned on taxes, shipping & handling, gift cards on purchases through the NFL and teams. Points are not earned on unauthorized or fraudulent charges, charges that violate the terms of your Account Agreement, balance transfers, cash advances, transactions treated similar to cash advances, interest charges, and fees of any kind.
Comenity Capital Bank may temporarily prohibit you from earning points, using points, or using any features of the Program if: your Account becomes delinquent; Comenity Capital Bank suspects that you or any authorized user has engaged in fraudulent activity related to your Account or the Program; or the NFL suspects that you misused the Program in any way.
Points awarded for purchases that do not remain Net Eligible Purchases will be deducted from your Point balance. Returned items may result in credits being applied to your Account, which will reduce or may eliminate accumulated Points and may result in a negative Points balance. If your Points balance goes negative, you must first earn Points to bring your Points balance to zero before earning any Points eligible for redemption. The NFL and Comenity Capital Bank reserve the right to verify and adjust Points, as applicable, at any time.
Bonus Points for Special Offers
From time to time, Comenity Capital Bank may make bonus offers to earn additional Points (“Bonus Points”). Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Points limits, or exclusions. You may have to register to qualify for the offer. Comenity Capital Bank may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Certain offers may only be communicated via email. Tax and shipping charges are excluded from specials offers and bonuses.
Reward Merchant Classification Codes: Merchants who accept Amex, Visa or Mastercard are assigned a merchant classification code (“MCC”), which is determined by the merchant or its processor in accordance with network procedures based on the products and/or services they primarily sell. Comenity Capital Bank and the NFL do not control the assignment of these codes and are not responsible for incorrectly coded purchases. Even though a merchant or some of the items it sells may appear to fit within a certain Rewards category, the merchant may not have a code in that category. Purchases made with third-party payment accounts, including but not limited to PayPal and Venmo, will not earn additional points.
Opt-In Offers
From time to time, the Program may make special offers to earn additional Points, which require you to opt in to the special offer to earn the Points (“Opt In Offers”). Opt In Offers must be opted into before Points is earned, and earning is not retroactive prior to opting in. You may select Opt In Offers in Account Center at https://d.comenity.net/ac/nfl/public/home or any other marketed website when available. Opt In Offers will typically have earning criteria and time frames.
Expiration
Important note: Points will expire 5 years after the date that they are posted to your Points balance.
Termination and Forfeiture
Important note: Subject to any requirements or limitations of applicable law, Comenity Capital Bank may at any time for any reason change or terminate the Program and these Program Terms without notice.
Comenity Capital Bank reserves the right to terminate you from the Program. If the Program terminates, Comenity Capital Bank terminates you from participating in the Program, or you voluntarily cancel enrollment in the Program, all Points will be forfeited.
Points will be forfeited if any of the following occur: your Account is closed (Except for New York residents, where Points will be forfeited 90 days from notice of Account closure unless your Account is closed for misuse); you terminate your participation in the Program; you or any authorized user engages in any fraudulent activity or misuse related to your Account or the Program, or engage in any activity deemed to be abusive or gaming conduct, as determined by Comenity Capital Bank. Misuse includes, but is not limited to, obtaining or using an Account to maximize Points earned in a manner that is not consistent with typical consumer activity as determined in Comenity Capital Bank’s sole discretion. Misuse of your Account also includes, but is not limited to, failure to make timely payments or any other violation of the terms of your Credit Card Agreement.
Points earned will be forfeited upon your death, and your estate, successors and assigns will have no property rights or other legal claim to access and redeem such points, unless the Bank receives a written request for redemption of points within 12 months of the documented date of your death from the executor or administrator of your estate, along with documentation satisfactorily to us of your death and the identity and appointment of the executor or administrator. Whether points are eligible for redemption and how they may be redeemed depends on the final status of your account. Redemption is subject to the account being closed and paid in full, and is in our sole discretion.
Issuing Rewards and Redemption
You may redeem Points for Rewards on the Program Catalog Website accessible through Account Center. Points will be redeemed on a “first in, first out” basis, such that the first Points earned will be the first Points redeemed. Once you’ve redeemed Points for a Reward or statement credit, your Points balance will be reduced by the number of Points used to obtain the Reward or statement credit and will appear on Account Center. Rewards are issued for reward purposes only.
We contract with Augeo Affinity Marketing, Inc. and MKTG, non-affiliated third parties, who are solely responsible for the administration of the Program with respect to goods or services offered on the Program Catalog. To contact Augeo Affinity marketing, Inc. or MKTG call 1-866-294-1318 or email support@cs.rewards.nflextrapoints.com. Augeo Affinity Marketing, Inc. and MKTG may establish procedures related to fulfillment of Rewards. The procedures will be disclosed prior to redeeming Points for Rewards from Augeo Affinity Marketing, Inc., or MKTG. Your redemption types are statement credit, catalog merchandise, gift cards, experiences, and game tickets. See details below. Redemption value of Points is variable based on the reward you choose to redeem for.
Redeeming Points for Statement Credits
You may redeem Rewards Points as a credit to your Account. The amount available to redeem, starting at $1 (for 200 points), is based on your Rewards balance. For every 200 Points = $1 Statement Credit.
Redeeming Points for Merchandise
You may use Points to obtain Rewards through Rewards Catalog. Merchandise orders will be confirmed by an email generated on behalf of the merchant by Augeo Affinity Marketing, Inc.
Redeeming Points for Gift Cards
You may redeem Points for gift cards. Gift cards may be requested by you.
Except as required by law, gift cards will not be replaced or replenished if it is lost, stolen, destroyed, used without the intended recipient’s permission or used in a manner inconsistent with any law. Digital gift card orders will be confirmed by an email generated on behalf of the merchant by Augeo Affinity Marketing, Inc.
Redeeming Points for Experiences
You may redeem Points for Experiences ("Experiences") through Augeo Affinity Marketing, Inc., a non-affiliated third party, who is solely responsible for the administration of the Program with respect to goods or services offered on the Program Catalog.
All redemptions are for a pair of experience passes (2), unless otherwise noted. You will be notified either by telephone call or email communication for further arrangements and details. Substitutions may be necessary as Rewards are based on availability and are subject to change at any time and unless otherwise noted do not include travel to or from the experience and in some cases may require game day tickets. By redeeming Points for Experiences, you must abide by any terms and conditions in conjunction with the Experience. Experience passes are limited to personal use only and cannot be resold. Experiences are available on a first-come, first-served basis and are limited to two redemptions per cardmember, per experience and are from limited inventory. Experience passes (if required) will ship via FedEx or UPS to the address that you provide. We will not ship to a P.O. Box. Experiences could be canceled by the NFL or participating Team for any reason, including for health and safety reasons (such as COVID). The NFL or participating Team have the right to refuse entry, or remove guests not adhering to their current guidelines. Children must be at least 10 years old and accompanied by someone 18 years or older to attend, unless stated otherwise.
Redeeming Points for Game Tickets
All redemptions are for a pair of tickets (2), unless otherwise noted. Game Tickets are limited to personal use only and cannot be resold. Ticket sections and seats will be determined by order date and are available on a first-come, first-serve basis. Ticket redemptions are limited to two redemptions per cardmember, per game and are from limited inventory, subject to availability. Game tickets do not include travel to or from the game. By redeeming Points for Game Tickets, you must abide by the terms and conditions in conjunction with the Game Tickets. Points required to redeem for NFL tickets may be subtracted in advance of gameday. If you redeem for NFL tickets at a higher points value and the points required for redemption are later lowered, a points refund will not be provided. Tickets will be sent to the email address provided during checkout. Redemptions will be delivered within 48 hours of game day. Game cancellations or changes are out of the control of this Program.
Other Terms
Points may not be sold, transferred or altered in any way by you. Points you earn may not be combined with Points earned on any other credit account or earned by anyone else (other than your Authorized User).
You may review your Points balance via Account Center. It may take up to two billing cycles for Points to post. The number of Points earned is based on the date your purchase was made, which may be different than the date the transaction posts to your Account. For mail order, special order, online, and other purchases, your transaction may not post to your Account until items have shipped.
Communications and Customer Service
Comenity Capital Bank and the NFL may send communications regarding the Program by mail, phone, email, or other methods, including through online Account Center or mobile app. By providing your mobile phone number, Comenity Capital Bank may contact you about all of your accounts and this Program.
If you have any questions about the Program or to update your contact information, please contact 1-844-281-2764 (Amex), 1-888-232-1512 (Visa), 1-800-695-2818 (Mastercard) or TDD/TTY: 1-888-819-1918 or visit Account Center. You can review your Program activity on Account Center or on your billing statement.
Points Disputes
If Points you believe were earned have not timely posted to your Points balance, you may dispute your Points balance (“Points Dispute”) by calling 1-844-281-2764 (Amex), 1-888-232-1512 (Visa), 1-800-695-2818 (Mastercard) or TDD/TTY: 1-888-819-1918 or by writing to Comenity Capital Bank. Comenity Capital Bank will use reasonable efforts to investigate your Points Dispute if you notify us within 90 days of the posting date. If you do not notify us within that period, you waive your right to make a Points dispute with respect to that purchase. Comenity Capital Bank may require you to provide written confirmation of the dispute and the applicable purchase receipt and may decline to investigate further if you do not provide the requested confirmation or a valid receipt. Upon completion of the investigation, Comenity Capital Bank will have no further responsibilities if you later reassert the same Points Dispute.
Limited Liability
Unless otherwise required by law, the NFL, neither Comenity Capital Bank, nor any of its affiliates, officers, directors, employees, service providers, including Augeo Affinity Marketing Inc., and MKTG, or agents will be liable to you, or anyone making a claim on your behalf, in connection with the Program or these Program Terms, including but not limited to, use of the Program and any redemption for or purchase of products or services through the Program.
Important note: Notwithstanding the foregoing, any liability that Comenity Capital Bank may have to you in connection with the Program shall be limited to the amount of any Points you have earned in accordance with these Program Terms. In addition, unless otherwise required by law, you and we each waive the right to seek punitive or exemplary damages against the other.
No Warranties
The NFL, the Bank and all of each of such company’s respective subsidiaries and affiliates make no warranty, express or implied, including but not limited to, any warranties of merchantability or fitness for a particular purpose with respect to the Program or any products or services related to such Program. Such companies do not guarantee the performance of Rewards, or products or services obtained through the Program, nor do they operate or control the merchandise, gift certificates, or gift cards offered as Rewards.
Taxes
You are responsible for any tax liability that may result from participation in the Program. Consult your tax advisor concerning such tax consequences.
Cancelling Program Participation
You may cancel your participation in the Program at any time by calling Comenity Capital Bank at 1-844-281-2764 (Amex), 1-888-232-1512 (Visa), 1-800-695-2818 (Mastercard) or TDD/TTY: 1-888-819-1918. If you cancel your participation in the Program, you will no longer earn Points and you will forfeit your unused and unexpired Points. Your cancellation will not affect any previously redeemed Rewards.
Governing Law; Assignment
The Program and these Program Terms are governed by federal law and, to the extent state law applies, the laws of the State of Utah. You may not assign your rights or obligations under these Program Terms to any other person or entity. Important note: You and Comenity Capital Bank agree that each of us may bring claims arising from or relating to these program terms only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding.
“Claim,” as used in these Program Terms means any claim, dispute or controversy that in any way arises from or relates to these Program Terms.
Complete Agreement; Severability; Conflicts; No Waiver
These Program Terms supersede any previous terms and conditions governing the Program. The Program is not available where and to the extent prohibited by law. If any part of these Program Terms conflict with applicable law, that provision will be deemed severed from these Program Terms and the remainder of the Program Terms will remain in effect. Comenity Capital Bank will not lose our rights under these Program Terms because Comenity Capital Bank chooses to delay or not enforce them.
Licensing
Your Extra Points Credit Card issuing network will vary by team. Your network is based on your card selection.
Extra Points American Express® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from American Express. American Express and the American Express logos are trademarks of American Express Company and its affiliates.
Extra Points Visa® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.
Extra Points Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
Get Access to Your NFL Extra Points Card
Manage your NFL Extra Points card, pay your statement and more.
NFL Extra Points Visa® Credit Card
Sign In
Activate Card
Green Bay Packers Extra Points Mastercard® Credit Card
Sign In
Activate Card
¹Offer is exclusive to NFL Extra Points American Express® Credit Card holders enrolled in the NFL Extra Points Rewards program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/nfl. NFL purchases include NFLShop.com, NFL stadium purchases and NFL tickets made at NFL Team Ticket Offices, Ticketmaster, SeatGeek and Sports Illustrated Tickets.
²Valid one time only. Offer is exclusive to NFL Extra American Express® Points Credit Card holders enrolled in the NFL Extra Points Rewards program. Maximum of $100 cash back. Offer excludes all NFL purchases including NFLShop.com, NFL stadium purchases and NFL tickets made at NFL Team Ticket Offices, Ticketmaster, SeatGeek and Sports Illustrated Tickets. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/nfl.
³Minimum payments are required for each Credit Plan. Valid for single transaction only. Qualifying purchases will automatically be placed on a promotional plan. If purchase qualifies for more than one plan, it will be placed on the qualified plan with the longest promotional period. Available on NFL Ticket purchases of $250 or more made at NFL Team Ticket Offices, Ticketmaster, SeatGeek and Sports Illustrated Tickets with your NFL Extra Points American Express® Credit Card.
⁴Account must not be in default. Redemption Details: Enter offer code EXTRAPOINTS at checkout. Cannot be combined with other offers. The entire transaction amount after discount must be placed on the NFL Extra Points American Express® Credit Card. Excludes gift cards, discounted items, trading cards and trading card-related products, and certain specialty items such as autographed items, collectibles, etc. If an item is not eligible for the discount, the discount will not be applied at checkout. After entering the promo code, eligible discounts will be displayed in your cart. Your cart will show the final discounted price for all qualifying items.
⁵Click here for important rate, fee, and other cost information.
Credit card offers are subject to credit approval.
Your team branded Extra Points American Express® Credit Card represents your team affiliation within the NFL Extra Points American Express Credit Card program. Any reference to your team affiliated Extra Points American Express Credit Card is equivalent to the NFL Extra Points American Express® Credit Card.
NFL Extra Points American Express® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from American Express. American Express and the American Express logos are trademarks of American Express Company and its affiliates.
Privacy Policy
Last Revised: October 2026
Overview
This privacy policy ("Privacy Policy") describes how Bread Financial Holdings, Inc. family of companies, including Comenity Capital Bank, Bread Pay, Bread Loans, and Bread Savings (collectively referred to as "Bread Financial", "we", "us", or "our"), collects, uses, discloses, processes, retains, and shares Personal Information (as defined below) collected from you-or that you provide to us-in connection with your use of our "online services." Online services include our websites, Social Media Pages (as defined below), mobile apps, and from the Services (as defined below) we offer to our customers. By accessing our online services, you signify your understanding of the terms set out in this Privacy Policy.
If you are visiting us from a location outside of the United States, please keep in mind that we are U.S.-based. This Policy governs the information collected by or on behalf of our websites irrespective of where you are located when you access, browse, or interact with them. If you are a California resident, please see the "Privacy Notice for California Residents" section below, which supplements this Privacy Policy.
Our online services and Services (as defined below) are not intended for use by minors under 16, and we do not knowingly collect, use, or maintain Personal Information from users under 16. If you are under the age of 16, please do not use our online services.
We may modify this Privacy Policy from time to time. If we make changes to this Privacy Policy, we will update the last revised date, post the updated version on our website(s) and take any other steps necessary to comply with applicable law. We recommend that you review this Privacy Policy regularly for changes. Please check the date at the top of this Privacy Policy to see when it was last updated.
Definitions:
- "Personal Information": Information that identifies you directly or can reasonably identify you or your household using other information. Such Personal Information may include but is not limited to your name, Social Security number, date of birth, email address, postal address, or telephone number. Personal Information does not include information that is aggregated, anonymized, or de-identified in accordance with applicable law.
- "Services": Refers to any account that you may have with us, including credit cards (private label, co-brand, and/or direct-to-consumer), loans, deposit accounts and any related service(s) that we provide.
- "Merchant": The branded merchant partner for whom we partner to offer you Bread Financial Services such as credit cards, deposit accounts and/or loans.
- "Cookies": Small pieces of data - usually text files - stored on your device (e.g., computer, tablet, phone, or similar device) when you use that device to visit our Sites which enable us to personalize your viewing experience and allow us to track statistical information about navigation to and throughout certain areas of the Site.
Personal Information We Collect
The following details the categories of Personal Information we collect and have collected over the past 12 months. Throughout this Privacy Policy, we will refer to the categories listed.
Information You Directly Provide Us: When you visit our online services or use our Services, we will collect information that you directly provide us. This information may include:
- Your first and last name
- Email address
- Phone number
- Date of birth
- Identification numbers, such as a Social Security number or other taxpayer identification number
- Your home street address
- Photographs, government identification, or other official identifying information, such as a driver’s license
- Financial account numbers, such as for a debit or credit card
- Employment history
You may provide information in writing, through our online services (e.g., online forms) using other customer service tools, or over the phone with our customer service representatives. As noted on our calls, all calls are recorded and retained to provide the best assistance to you, improve our level of customer experience and service, and to meet any legal and regulatory requirements.
Information We Collect Automatically or Generate About You: We also collect information automatically when you visit our websites. This information may include:
- Your device’s IP address
- Device type, operating system, and other attributes
- Device hardware model
- Unique device identifier
- GPS location data
- Other Information about your interactions and use of our Services on any Merchant website or our websites
- Information collected by Cookies and other similar technologies
Information from Third Parties: We also collect information about you from third parties such as credit information (e.g., credit reports).
To help us further identify you to protect against fraud and identity theft, and for other purposes (including to improve our product or Services, or for us, or third parties, to market to you), our technology may gather further information about you, which information may include but is not limited to the following:
Cookies: Like many online services, we or our service providers, and other companies we work with may deploy and use Cookies or other anonymous identifiers to collect information about you. We may also gather and store "clickstream information," including information regarding your use of our site directly, or through service providers, including Cookies, web beacons, page tags, pixels or similar tools (collectively, “Cookies”) and information about your device, the type of browser you are using, your internet service provider, your page views, pathways to and from the site, referral URL, data from third party analytics or marketing companies regarding the interaction with any web-based advertising, and your operating system.
We use Cookies for a variety of different reasons. Certain Cookies are essential to our online services, including to provide you with features or Services that you have requested, and cannot be turned off as well as for critical fraud prevention activities. We also use Cookies to record your choices and settings regarding the Services, collect analytical and performance data, and for the purposes of retargeting and advertising, to identify your interests and providing advertising that we believe is relevant to you. We may also supplement the information we collect from you with information received from third parties, including third parties that have placed their own Cookies on your device(s).
Your Choices Regarding Cookies: You can decide whether to accept Cookies through your internet browser's settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allowing you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit a website and some of our websites' functionalities may not work. To explore what Cookie settings are available to you, look in the "preferences" or "options" section of your browser's menu.
Additionally, behavioral advertisements will feature an AdChoices Icon (also known as the "Advertising Option Icon"), that when clicked, provides more information about how the advertisement was delivered to you and offers the ability to opt-out from future Online Behavioral Advertisements by the third parties listed. To opt-out of Online Behavioral Advertising (OBA) from all Digital Advertising Alliance (DAA)-participating companies, please visit http://www.aboutads.info/choices/. Please note that if you opt-out of OBA, you may still receive online advertising from us on third party websites. Opting out from third party advertising companies means that the advertisements you receive will not be based on your preferences or behavior. Further, opting out does not prevent other parties from tracking your online activity for other uses as described in this Privacy Policy.
Site Analytics:
We may use various analytics services, including Google Analytics, a web analytics service provided by Google, Inc., on our online services. These analytics services use Cookies or other tracking technologies to help us analyze how users interact with and use the websites, compile reports on activity, identify and address technical issues, and provide other services related to activity and usage. These technologies may collect information such as your IP address, time of visit, whether you are a return visitor and any referring website.
We utilize data from analytics services like Google Analytics to enhance our Services. These services may set or read cookies on your browser or mobile device. Our online services do not combine the information collected using Google Analytics with personally identifiable information. Information generated by analytics services is transmitted to and stored by the respective providers, governed by their privacy policies. You can control the information provided to Google and opt out of certain ads provided by Google by using the methods set forth in http://www.google.com/policies/privacy/partners/ or use the Google Analytics opt out browser add-on at http://tools.google.com/dlpage/gaoptout?hl=en.
From time to time, we may create and manage social media pages that include, but are not limited to, Facebook, Instagram, LinkedIn, or X ("Social Media Pages"). With your consent, Personal Information like your name, profile picture, gender, networks, user ID, list of friends, birthday, likes, education history, work history, current city, hometown, interests, relationship status, and any other information you have shared on a social media site may be collected by us. This Privacy Policy does not cover the privacy practices of the social media websites on which we may have Social Media Pages. Please review their privacy policies and terms of service if you have any questions about their privacy practices.
How We Use The Personal Information We Collect
Information we receive in connection with our online services or the Services we provide may be used for the following purposes:
- Review processing applications for our Services you have requested
- Process your transactions
- Provide customer service
- Expand, enhance, or verify the accuracy of our records
- Market our products or our Merchant partners' products to you
- Contact you by mail, telephone, text message or email, in connection with your account or to deliver updates to our Services (for example, we may use email to send you information about products or services and new offers that we think may interest you or administer your participation in surveys - you may be able to opt out of some of these communications)
- Develop new products and services or improve them and your experience with them
- Support internal business operations, including assessing and managing risk and meeting legal and regulatory requirements
- Provide technical support for using our online services
- Monitor and analyze trends and usage
- Comply with contractual obligations, relevant industry standards and our policies
- Verify your identity, prevent, or detect fraud or other unauthorized or illegal activity
- Operate, evaluate, and improve our business (including developing new products and services, performing data analytics, and performing accounting, auditing, and other internal functions)
- Respond to your requests
- Resolve disputes
- Respond to law enforcement requests and as required by applicable law, court order, or governmental regulations
- Perform any other business purpose stated when collecting your Personal Information or as otherwise set forth in applicable data privacy laws, such as the Gramm-Leach-Bliley Act.
Providing Your Personal Information To Others
We may disclose your Personal Information we collect from and about you with our affiliates and other third parties in the ways described in this Privacy Policy:
Merchants: By using our Services, you authorize us to disclose Personal Information to Merchants, for managing and servicing your account, Merchants’ marketing purposes, including certain information that is a part of or related to your application for your account, including, but not limited to, your name, email address and whether or not you were prequalified for our loan products, as permitted by law. You may limit this sharing at any time. See "Your Choices" below.
Service Providers: We disclose information (such as name, account information, demographic information) to our service providers in connection with our everyday business operations, including those that engage in assisting us in underwriting, sending communications on our or our Merchants’ behalf, document storage, fraud prevention, collections, maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of a service provider.
Marketing and Analytics Companies: We disclose information (such as name, account information, demographic information, and transaction information) to marketing and analytics companies for the purposes of marketing our or our Merchants’ products and services to you, as well as the purposes set forth below:
- Auditing related to a current interaction and concurrent transactions, including, but not limited to, ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards
- Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity
- Debugging to identify and repair errors that impair existing intended functionality
- Short-term, transient use of Personal Information that is not used by another party to build a consumer profile or otherwise alter your consumer experience outside the current interaction
- Undertaking internal research for technological development and demonstration
- Undertaking activities to verify or maintain the quality or safety of a service or device that we own, manufacture, was manufactured for us, or that we control
- With the Merchant for their marketing purposes and with other non-affiliated third parties (for example, marketing companies) for purposes of marketing our or our Merchant’s products and services to you
- With regulators or auditors, in connection with an audit, routine inquiry, or to fulfill our contractual or legal obligations
- With third parties who may purchase Services (or an interest in the account), or the rights to service such an account
- With non-affiliated third parties, including regulatory bodies, law enforcement officials, governmental agencies, and courts, in response to a judicial proceeding, court order, or legal process or for the purposes of preventing fraud or criminal activity, or as required by law or to protect our legal rights
- With our affiliates who have a need to know such information for everyday business purposes
- With any third party in response to a legal or regulatory inquiry.
In the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of any or all our assets, some of the Personal Information that we hold may be among the assets transferred to a buyer or other successor. We may transfer to another business or non-affiliated entity or its affiliates, advisors, or service providers some or all information about you in connection with, or during negotiations of, any joint marketing relationship, merger, acquisition, sale of assets or any business unit, change in ownership control or financing transaction. If we do, we may not be able to limit how such other parties may use or further transfer your information.
We may disclose information in other ways if you give us consent or direct us to do so.
Your Choices
When it comes to how your Personal Information is collected, stored, used, and disclosed, you have rights and choices. You can control how Personal Information is collected or disclosed, as well as how we communicate with you. Here are some of the ways you can customize your choices.
Choose How We Collect Personal Information
You may choose to limit the Personal Information you provide when our online services or Services request it. To receive our Services, some Personal Information is required. This Privacy Policy is intended to describe to you how your Personal Information is collected, used, and disclosed so you can make the choices that are right for you.
Choose How We Communicate With You
You have choices about how we communicate with you and how it is delivered. Some messages are considered necessary for you to manage your accounts with us (e.g., servicing your account) and some are considered optional (e.g., marketing emails).
However, you can contact us at any time to limit our sharing and/or marketing activities.
| Service | How to Change Your Preferences |
|---|---|
| Comenity Capital Bank (Credit Cards) | Contact us at 1-877-287-5012; our menu will prompt you through your choices. |
| Bread Savings (Deposits) | Contact us at 1-833-755-4354; dial 7 for a representative. |
| Bread Pay or Bread Loans (Pay Over Time or Personal Loans) | Visit your Member Portal under "My Account" or call 1-844-992-7323. |
| Emails | Click the unsubscribe link on any marketing emails from us or call us at the phone number found on your account statement or credit card. |
| California Residents | Refer to the "Privacy Notice for California Residents" section below on how to exercise your rights. |
Some internet browsers have a 'Do Not Track' or stricter privacy features that signal to online services that you do not want your online activities tracked. We recognize most major browsers' do-not-track signals. For us to recognize such a signal, you will have to enable it in your browser according to your browser's instructions.
Protecting Personal Information
Your privacy is important to us. We have implemented and maintain reasonable physical, technical, electronic, and administrative security measures to safeguard the Personal Information that we collect through our websites, your interactions with us, or through our Services.
Accuracy of Your Personal Information
We strive to maintain accurate Personal Information about you. If you are a Bread Financial accountholder or borrower and believe that our records contain inaccurate or incomplete information about you, please contact the Customer Care phone number listed on your account statement or on the back of your credit card. Customers with a registered online account may review their Personal Information by logging in to our secure account management service.
Privacy Notice for California Residents
This Privacy Notice for California Residents ("California Notice") applies to California consumers and households ("you" and "your") whose Personal Information we collect through our online services and the services we offer and describes your rights and choices with respect to the processing of Personal Information under the California Privacy Rights Act ("CPRA") which amends the California Consumer Privacy Act ("CCPA"). This Notice does not apply to Bread Financial employees or job applicants except to the extent you may utilize our Services. For California residents, this Notice controls to the extent it conflicts with any provision in the main body of the Privacy Policy. Capitalized terms not defined in this Notice are defined in our Privacy Policy.
The specific Personal Information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. Most of the information that we collect is collected in connection with your application for, and use of our Services. As such, it was collected in accordance with the terms of the federal Gramm Leach Bliley Act ("GLBA") and is exempt from the provisions of the CCPA and CPRA. For your privacy rights related to that information please see our Financial Privacy Policy further described above or found at https://www.breadfinancial.com/en/privacy.html.
How We Collect, Use, Share, and Sell Information
Below is a summary describing the Personal Information we collected from you in the past 12 months, as classified under the CCPA, the reason we collect your Personal Information, and how we disclose, share, and sell your information. Please see our Privacy Policy for further details about how we collect, process, and disclose Personal Information about you.
Categories of Information Collected: As described further in our Privacy Policy, when you visit our online services, interact with us, or use our services, we may collect your Personal Information for business or commercial purposes. In the past 12 months we may have collected the following categories of Personal Information directly from you when you communicated with us, indirectly when you visited our online services, using Cookies and other technologies, as well as from third parties, such as Merchants:
- Identifiers, including first and last name, email address, IP address, device identifier, government identification number (such as Social Security number), date of birth, phone number, financial account numbers
- Commercial information, such as information related to your purchasing or consuming tendencies, including financial transactions, and employment
- Internet or other electronic network activity information, such as device type, device hardware model, and information about your interactions with our Services on any Merchant website or our online services, or information collected from Cookies and other similar technologies
- Geolocation information.
Uses of Information: As described further in our Policy, in the past 12 months we may have used the information we receive in connection with our online services or the Services we provide for the following purposes:
- Review processing applications for our Services
- Process your transactions
- Provide customer service
- Expand, enhance, or verify the accuracy of our records
- Market our products or our Merchant partners’ products to you
- Contact you by mail, telephone, text message or email, in connection with your account or to deliver updates to our Services (for example, we may use email to send you information about products or services and new offers that we think may interest you – you may be able to opt out of some of these communications);
- Develop new products and services or improve them and your experience with them
- Support internal business operations, including assessing and managing risk and meeting legal and regulatory requirements
- Provide technical support for using our online services
- Monitor and analyze trends and usage
- Comply with contractual obligations, relevant industry standards and our policies
- Verify your identity, prevent, or detect fraud or other unauthorized or illegal activity
- Operate, evaluate and improve our business (including developing new products and services, performing data analytics, and performing accounting, auditing, and other internal functions)
- Respond to your requests
- Resolve disputes
- Respond to law enforcement requests and as required by applicable law, court order, or governmental regulations
- Perform any other business purpose stated when collecting your Personal Information or as otherwise set forth in applicable data privacy laws, such as the Gramm-Leach-Bliley Act.
Disclosure of Information: As described further in our Policy, in the past 12 months we may have disclosed each of the data categories described above to the following third parties:
- Merchants: By using our Services, you authorize us to share Personal Information with Merchants, for managing and servicing your account and for Merchants’ marketing purposes, including certain information that is a part of or related to your application for your account, including, but not limited to, your name, email address and whether or not you were pre-qualified for our loan products, as permitted by law. You may limit this sharing at any time. See "Your CCPA Privacy Rights and Exercising Your CCPA Rights" below.
- Service Providers: We share information (such as name, account information, demographic information) with our service providers in connection with our everyday business operations, including those that engage in assisting us in underwriting, sending communications on our or our Merchants’ behalf, document storage, fraud prevention, collections, maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of a service provider;
- Marketing and Analytics Companies: We share information (such as name, account information, demographic information, and transaction information) with marketing and analytics companies for the purposes of marketing our or our Merchants’ products and services to you.
Selling or Sharing of Information: In the last 12 months, we have "sold" or "shared" (as defined by the CCPA) identifiers and internet or other electronic network activity information to third party partners for advertising and marketing Bread Financial services to consumers. We did not sell or share personal information of minors under 16 years of age.
How Long We Retain Your Personal Information
We retain your Personal Information as long as it is deemed necessary for providing our Services and in accordance with applicable laws and regulations, which is approximately seven years from the end of our relationship (e.g., seven years after the account is closed and balance is paid in full). Your Personal Information will be destroyed in accordance with applicable requirements at the end of the applicable retention period.
Your CCPA Privacy Rights
The CCPA provides California residents with certain rights regarding their Personal Information. These rights are not absolute and certain exceptions apply under the CCPA. To exercise any of the rights described below, see the "Exercising Your CCPA Rights" section.
Right to Know: You have the right to know the categories and specific pieces of personal information we have collected about you in the previous 12 months.
The categories of Personal Information include:
- The categories of sources from which the Personal Information was collected.
- Our business or commercial purpose for collecting or selling Personal Information.
- The categories of third parties with whom we share Personal Information.
- Specific pieces of Personal Information we have collected about you.
As more fully explained above, the data that we collect in the categories listed above is collected from you and data resellers for the marketing or servicing of a financial product. We may use any of the categories of information listed above for other business or operational purposes compatible with the context in which the Personal Information was collected. We disclose the above data to the Merchant listed on your card or who received the proceeds of your loan, services providers, vendors, advertising partners and data analytics providers.
Right to Deletion: You have the right to request that we delete any Personal Information we have collected about you.
Right to Opt-Out of the Sale and Sharing of Information: You have the right to opt-out of the sale and sharing of Personal Information we have collected about you.
Right to Non-Discrimination: You have the right to not receive discriminatory treatment for exercising any of your CCPA Rights. The Company will not treat you differently for exercising any of the rights above.
Right to Correct: You have the right to request that we correct inaccurate Personal Information maintained about you.
Exercising Your CCPA Rights
How to Submit a Request: If you are a California resident or an authorized agent and wish to make a request, you can make a request by visiting https://calprivacy.comenity.com or calling 1-877-655-5391. To verify your identity, we will require you to provide: your first name, last name, address, phone number, date of birth and email address. Once you have provided your data, you will be asked a series of questions to authenticate your identity.
If you are an authorized agent, such as Power of Attorney, and submitting a request, please send a letter to Comenity at PO Box 182567, Columbus, OH 43218 with the request type(s) (request to know, delete, do not sell or share, and/or correct my data). Please include proof that the data subject gave you signed permission to make the request.
Under the CCPA, you may exercise these rights yourself, or you may also designate an authorized agent to make these requests on your behalf. For the Company to process the request, you must provide the authorized agent signed written permission. The Company reserves the request to require the agent to authenticate their own identity and to confirm directly with you that you have provided the authorized agent permission to submit the request.
How to Opt-Out of the Sale and Sharing of My Information: If you are a California resident and wish to opt-out of the sale and sharing of your personal information, please click here: Do Not Sell or Share My Personal Information.
How to Contact Us
To submit questions about this Notice, or to contact us for more information, please call 1-877-655-5391 or by email to privacy@breadfinancial.com. To exercise your rights under the CCPA, please only do so following the designated methods above.
CCPA Statistics
CCPA Requests Handled July 1, 2025 through June 30, 2026
Request to Know: 3,227 Requests Received, 947 Requests Verified, 947 Verified Requests Answered, 2,280 Verified Requests Denied
Request to Delete: 1,305 Requests Received, 686 Requests Verified, 686 Verified Requests Answered, 619 Verified Requests Denied
Request to Opt Out*: 4,775 Requests Received, N/A Requests Verified, 4,775 Verified Requests Answered, 0 Verified Requests Denied
Request to Correct: 546 Requests Received, 239 Requests Verified, 239 Verified Requests Answered, 307 Verified Requests Denied
*Requests are passed to our service providers.
During this period, our median time within which we sent responses was 3.2 days.
*Certain terms, conditions and exclusions apply. For more details, see https://nflextrapoints.com/amexnetworkbenefits