<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:01a10dc4-022e-7834-9dae-9c23cd23e506,g:107b7eae-73e6-472a-9e20-f909d95f64c5-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://www.breadfinancial.com/role/DocumentandEntityInformationDocument" xlink:type="simple" xlink:href="bfh-20261022.xsd#DocumentandEntityInformationDocument"/>
  <link:presentationLink xlink:role="http://www.breadfinancial.com/role/DocumentandEntityInformationDocument" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract_01a10dc4-022e-7b83-bce5-195666646911" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntitiesTable_01a10dc4-022e-74dd-898a-8dadd4e8e440" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntitiesTable"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract_01a10dc4-022e-7b83-bce5-195666646911" xlink:to="loc_dei_EntitiesTable_01a10dc4-022e-74dd-898a-8dadd4e8e440" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementClassOfStockAxis_01a10dc4-022e-7249-8c6f-d8b44bc680d9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementClassOfStockAxis"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntitiesTable_01a10dc4-022e-74dd-898a-8dadd4e8e440" xlink:to="loc_us-gaap_StatementClassOfStockAxis_01a10dc4-022e-7249-8c6f-d8b44bc680d9" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain_01a10dc4-022e-7cd9-af13-e71b8f855f0c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis_01a10dc4-022e-7249-8c6f-d8b44bc680d9" xlink:to="loc_us-gaap_ClassOfStockDomain_01a10dc4-022e-7cd9-af13-e71b8f855f0c" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesAPreferredStockMember_01a10dc4-022e-7907-8218-91d5a83a3ffe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesAPreferredStockMember"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_01a10dc4-022e-7cd9-af13-e71b8f855f0c" xlink:to="loc_us-gaap_SeriesAPreferredStockMember_01a10dc4-022e-7907-8218-91d5a83a3ffe" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockMember_01a10dc4-022e-7d5a-86a4-94645ee00140" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockMember"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_01a10dc4-022e-7cd9-af13-e71b8f855f0c" xlink:to="loc_us-gaap_CommonStockMember_01a10dc4-022e-7d5a-86a4-94645ee00140" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesBPreferredStockMember_01a10dc4-022e-7681-b137-0fbdc6de3586" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesBPreferredStockMember"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain_01a10dc4-022e-7cd9-af13-e71b8f855f0c" xlink:to="loc_us-gaap_SeriesBPreferredStockMember_01a10dc4-022e-7681-b137-0fbdc6de3586" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInformationLineItems"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntitiesTable_01a10dc4-022e-74dd-898a-8dadd4e8e440" xlink:to="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentType_01a10dc4-022e-71f4-8d3f-051bb2eb7f3a" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_DocumentType_01a10dc4-022e-71f4-8d3f-051bb2eb7f3a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentPeriodEndDate_01a10dc4-022e-783d-a33c-ac50f6475a43" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_DocumentPeriodEndDate_01a10dc4-022e-783d-a33c-ac50f6475a43" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName_01a10dc4-022e-7763-a860-89263b38f3fa" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityRegistrantName_01a10dc4-022e-7763-a860-89263b38f3fa" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityIncorporationStateCountryCode_01a10dc4-022e-76bf-80a4-c24811d888c2" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityIncorporationStateCountryCode_01a10dc4-022e-76bf-80a4-c24811d888c2" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber_01a10dc4-022e-7697-9066-ce2a05cf699d" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityFileNumber_01a10dc4-022e-7697-9066-ce2a05cf699d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber_01a10dc4-022e-7c40-b885-008b51329fc1" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityTaxIdentificationNumber_01a10dc4-022e-7c40-b885-008b51329fc1" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1_01a10dc4-022e-73fa-8fb7-9c7c09f28f11" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityAddressAddressLine1_01a10dc4-022e-73fa-8fb7-9c7c09f28f11" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown_01a10dc4-022e-79fa-bf4c-4a7523daf800" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown"/>
    <link:presentationArc order="8" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityAddressCityOrTown_01a10dc4-022e-79fa-bf4c-4a7523daf800" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressStateOrProvince_01a10dc4-022e-78de-affa-994f77e7b298" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince"/>
    <link:presentationArc order="9" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityAddressStateOrProvince_01a10dc4-022e-78de-affa-994f77e7b298" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode_01a10dc4-022e-7e13-92f0-e4347a259b54" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode"/>
    <link:presentationArc order="10" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityAddressPostalZipCode_01a10dc4-022e-7e13-92f0-e4347a259b54" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode_01a10dc4-022e-7a35-bad4-ff23c5b06fa6" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode"/>
    <link:presentationArc order="11" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_CityAreaCode_01a10dc4-022e-7a35-bad4-ff23c5b06fa6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber_01a10dc4-022e-7c4d-885f-9dfe7ea687d6" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber"/>
    <link:presentationArc order="12" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_LocalPhoneNumber_01a10dc4-022e-7c4d-885f-9dfe7ea687d6" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_WrittenCommunications_01a10dc4-022e-745f-87c6-de3e3cd3a071" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_WrittenCommunications"/>
    <link:presentationArc order="13" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_WrittenCommunications_01a10dc4-022e-745f-87c6-de3e3cd3a071" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SolicitingMaterial_01a10dc4-022e-7fa1-a23e-72e482935d16" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SolicitingMaterial"/>
    <link:presentationArc order="14" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_SolicitingMaterial_01a10dc4-022e-7fa1-a23e-72e482935d16" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementTenderOffer_01a10dc4-022e-7a39-9074-85672c48f8b4" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementTenderOffer"/>
    <link:presentationArc order="15" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_PreCommencementTenderOffer_01a10dc4-022e-7a39-9074-85672c48f8b4" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_PreCommencementIssuerTenderOffer_01a10dc4-022e-704c-a839-cd6fe4e7cb22" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementIssuerTenderOffer"/>
    <link:presentationArc order="16" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_PreCommencementIssuerTenderOffer_01a10dc4-022e-704c-a839-cd6fe4e7cb22" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_01a10dc4-022e-7692-8a16-ccc17232c22d" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle"/>
    <link:presentationArc order="17" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_Security12bTitle_01a10dc4-022e-7692-8a16-ccc17232c22d" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_01a10dc4-022e-710c-985f-169a1a21e455" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol"/>
    <link:presentationArc order="18" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_TradingSymbol_01a10dc4-022e-710c-985f-169a1a21e455" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_01a10dc4-022e-7e5d-afe4-af272de1ddf7" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName"/>
    <link:presentationArc order="19" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_SecurityExchangeName_01a10dc4-022e-7e5d-afe4-af272de1ddf7" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany_01a10dc4-022e-781a-9743-94db57d0b804" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:presentationArc order="20" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityEmergingGrowthCompany_01a10dc4-022e-781a-9743-94db57d0b804" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_AmendmentFlag_01a10dc4-022e-7349-9a03-b41a196c2f91" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag"/>
    <link:presentationArc order="21" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_AmendmentFlag_01a10dc4-022e-7349-9a03-b41a196c2f91" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey_01a10dc4-022e-7c56-a0f6-20d3bcd1b58a" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey"/>
    <link:presentationArc order="22" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityInformationLineItems_01a10dc4-022e-7ea8-ae32-c87137eaa797" xlink:to="loc_dei_EntityCentralIndexKey_01a10dc4-022e-7c56-a0f6-20d3bcd1b58a" xlink:type="arc" preferredLabel="http://www.xbrl.org/2003/role/terseLabel"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle_01a10dc4-022e-7652-ac51-ddb7d5a3998b" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol_01a10dc4-022e-77ec-88a9-6834f37602b4" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol"/>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName_01a10dc4-022e-7875-897f-3f00bb872110" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName"/>
  </link:presentationLink>
</link:linkbase>
