Smart Spending Flexible Rewards Total Confidence
Enjoy the freedom of secure, flexible credit designed to fit your lifestyle. With BreadSquared Personal Credit Cards, you get transparent terms, low rates, and rewards that make every purchase more valuable.
Trusted by 3 Million+ People on Their Financial Journey
With a loan from BreadSquared powered by Upstart, he made his move stress-free. The funds gave him flexibility and peace of mind. Every step of the process was simple and seamless. BreadSquared helped turn a big transition into an easy success.
The entire process was easy, clear, and worry-free. With BreadSquared, handling my moving expenses became simpler and far more affordable than I imagined.
Credit Score
Power Your Growth with BreadSquared Credit Monitoring
With real-time alerts, you’ll be notified the moment something changes on your credit profile, allowing you to take quick action and avoid surprises.
Our detailed credit insights break down complex reports into simple explanations, helping you understand what’s affecting your score and how you can improve it.
Credit monitoring helps protect you against errors and fraud by keeping a close watch on your accounts, giving you confidence and peace of mind.
Questions? 5 Things To Know In 5 Minutes Or Less.
What is a personal credit card and how does it work?
A personal credit card is a line of revolving credit that allows you to make purchases now and repay later, either in full each month or over time. With BreadSquared Personal Credit Cards, you get secure access to funds, transparent terms, and flexible repayment options—making everyday spending more convenient and rewarding.
What makes BreadSquared credit cards different?
Our cards are designed with your lifestyle in mind. That means:
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Transparent terms with no hidden fees
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Low interest rates to help you save on borrowing costs
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Flexible rewards that give you value on every purchase
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Enhanced security features to protect your account
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Expert support whenever you need it
We combine flexibility and confidence so you can spend smart.
What rewards can I earn with a BreadSquared credit card?
Every purchase you make becomes more valuable. Depending on the card you choose, you may earn cash back, points, or other rewards that you can redeem for travel, merchandise, or statement credits. Our rewards are flexible, so you get benefits that truly fit your lifestyle.
What credit score do I need to qualify?
We welcome applicants with a variety of credit histories. While higher credit scores may help you qualify for the best rates and rewards, BreadSquared considers multiple factors—not just your score—to make fair approval decisions.
What fees should I expect?
We believe in clear, transparent terms. Any annual fees, late fees, or other charges are disclosed upfront before you accept your card. Our goal is to give you flexibility and confidence—never surprises.
Can I use my card internationally?
Yes. BreadSquared credit cards are accepted worldwide, giving you freedom to spend securely at millions of locations around the globe.
See What Customers Say About
Bread Squared
Debt-Free in Half the Time!
I was facing unexpected medical expenses and didn’t know where to turn. BreadSquared approved my Personal Loan quickly, and the funds were in my account the next day. Their team made the whole process stress-free, and I felt supported every step of the way.
Owner, Local Boutique
Shawn Clark.
Lower Car Payments, More Savings!
Refinancing my auto loan with BreadSquared saved me over $200 a month. The application was fast, and I had my approval the same day. I didn’t think it would be this easy to reduce my payments and free up extra money for my family.
Operations Manager, Logistics Company
James Micheal.
Quick Funds When I Needed Them Most
I was facing unexpected medical expenses and didn’t know where to turn. BreadSquared approved my Personal Loan quickly, and the funds were in my account the next day. Their team made the whole process stress-free, and I felt supported every step of the way.
Operations Manager, Pharma Company
Danielle Paul.
Confidence in Every Step
From checking my rate to receiving my funds, BreadSquared delivered exactly what they promised. I loved the clarity of knowing my options without affecting my credit score, and the funding speed was incredible. This is financing I can truly trust.
Homeowner & Father of Two
Michael Hamen.
Money Solutions That Don’t Wait Why Should You?
Every day you delay is another day stuck with high-interest payments or financial stress. With BreadSquared, you can unlock up to $50,000 quickly and put your plans into motion—today. Apply now and see how fast financial freedom can be.