Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.2 out of 5, based on over 1,799 reviews left anonymously by employees. This rating has increased by 1% over the last 12 months. 84% of employees would recommend working at Bread Financial to a friend and 83% have a positive outlook for the business. The best reviews about Bread Financial have been left by employees working as Anonymous , Associate and Software Engineer .

Does Bread Financial pay their employees well?

According to anonymously submitted Glassdoor reviews, Bread Financial employees rate their compensation and benefits as 4.4 out of 5. Find out more about salaries and benefits at Bread Financial. This rating has improved by 2% over the last 12 months.

How satisfied are employees working at Bread Financial?

84% of Bread Financial employees would recommend working there to a friend based on Glassdoor reviews . Employees also rated Bread Financial 4.4 out of 5 for work life balance, 4.3 for culture and values and 4.0 for career opportunities.

What are the top reviewed jobs at Bread Financial?

Anonymous (107) , Customer Service Representative (98) , Collections Specialist (59) , Associate (30) , Analyst (22) , Collections (22) , Payment Solutions Specialist (22) , Software Engineer (22) , Customer Care Representative (21) , Manager (21) , Customer Care Advocate (19) , Senior Analyst (19) , Collections Representative (16) , Supervisor (16) , Customer Service Representative (CSR) (13)

What are the pros of working at Bread Financial according to real employee reviews?

"Benefits are good and there is plenty!" ((in 180 reviews)); "Good pay and it was remote" ((in 139 reviews)); "Good and good work life balance" ((in 122 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 110 reviews)); "Great people and very clean place." ((in 97 reviews))

What are the cons of working at Bread Financial according to real employee reviews?

"Poor management, and lack of structure." ((in 56 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 37 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 23 reviews)); "Changing too fast with too little communication" ((in 15 reviews)); "Finally one day upper management called our group in a room and let everyone go." ((in 11 reviews))

What are employees saying about Bread Financial layoffs in 2026?

Explore Glassdoor’s employee reviews to understand what current and former employees are saying about Bread Financial layoffs and their outlook for job security at Bread Financial in 2026.

What are the top reviewed Bread Financial locations?

Columbus , Rio Rancho , Plano , Lenexa , Westerville , Westminster , Draper , New York , Dallas , San Antonio , Coeur d'Alene , Milford , Houston , Denver , Chadds Ford , Kansas City , Albuquerque , Cincinnati , Whitehall , Ohio City , Akron , Salt Lake City , Texas City , Overland Park , Kansas City , Chicago , Frisco , Irving , Spokane , Ohio

Skip to content Skip to footer

Notifications

Bread Financial

Bread Financial reviews

4.2

84% would recommend to a friend

(441 total reviews)

Ralph Andretta

90% approve of CEO

83% positive business outlook

Ratings by category

4.5

Diversity & inclusion

4.4

Work/Life balance

4.4

Compensation and benefits

4.3

Culture & values

4.0

Senior management

4.0

Career opportunities

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

441 reviews

Reviews about "Compensation"

Return to all reviews

2.0

Feb 11, 2019

Toxic, Stressful Culture Overshadows Any Postivies

Collections associate

Recommend

CEO approval

Business Outlook

Pros

Competitive salary, decent benefits, some good coworkers.

Cons

A highly stressful, ever-changing, goal-oriented job where there is little care for the well-being of employees and only a care for the financial accomplishments of the employee. Tell you you'll advance quickly but you don't.

Bread Financial Response

Thank you for taking the time to share feedback. We take feedback like yours very seriously and we will share it with leadership. Our industry is extremely fast-paced, but we are sorry that you feel the environment is stressful. We encourage our associates to discuss any concerns about work load or stress in a constructive manner directly with their managers, or, if you prefer, with your HR coordinator so that we can help.

5.0

Jan 22, 2019

Wonderful place to work!

Senior strategist, marketing

Recommend

CEO approval

Business Outlook

Pros

The people at Alliance Data are what truly make it such a great place to work. Although it's a large corporate company, it doesn't really feel like it! Leadership cares and wants to help you succeed. Other pros include a competitive salary, work/life balance (i.e. ability to work from home), wellness benefits (i.e. gym), 401k match and culture that encourages associates to stay at Alliance Data and grow.

Cons

It's a bit of a complicated business to enter into at first, but once you get acquainted everything is fine :)

Bread Financial Response

We are lucky to have you! Thanks for being a valued associate and taking the time to provide feedback.

5.0

Dec 21, 2018

Great company with amazing peopel

Senior financial analyst

Recommend

CEO approval

Business Outlook

Pros

Great culture, straight meritocracy where hard work gets rewarded, competitive pay/benefits

Cons

Standard politics you'll see anywhere so not really an issue

Bread Financial Response

When our associates are happy, we’re happy! Thank you for taking the time to provide your feedback.

Viewing 304 - 306 of 441 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Principal Operational Excellence Analyst

Senior Technical Product Owner