Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,790 reviews left anonymously by employees. This rating has increased by 2% 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 (106) , Customer Service Representative (98) , Collections Specialist (58) , 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?

"Great Benefits and fellow employees" ((in 183 reviews)); "Good pay and it was remote" ((in 135 reviews)); "Good and good work life balance" ((in 119 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 106 reviews)); "Great people and very clean place." ((in 99 reviews))

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

"Poor management, and lack of structure." ((in 50 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 37 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 32 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 28 reviews)); "Not always forth coming Communication isn’t always clear" ((in 13 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 , Irving , Spokane , Ohio , Ohio

Bread Financial reviews

4.3

84% would recommend to a friend

(1,720 total reviews)

Ralph Andretta

92% approve of CEO

83% positive business outlook

Company ratings over time

Ratings trend for the last 6 months (1,720 reviews)

Ratings by demographic groups

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Bread Financial has an employee rating of 4.3 out of 5 stars, based on 1,720 company reviews on Glassdoor which indicates that most employees have an excellent working experience there. The Bread Financial employee rating is in line with the average (within 1 standard deviation) for employers within the Financial Services industry (3.7 stars).

Reviews by job title

2K reviews

1.0

Mar 27, 2024

Run away as fast as you can

Sr. recovery/resolution analyst

Recommend

CEO approval

Business Outlook

Pros

401 K match Set your own hours

Cons

I have been with this company for several years and ever since this new CEO took over this company is poorly ran. I honestly think we are losing money right and left with the new systems they bought our incentives are way below with they used to be five years ago.

Bread Financial Response

2y

First and foremost - thank you for all of your contributions over the years, we're so happy you're here! We appreciate your recognition of our 401k match and setting your own hours. We hope you attend and share your questions in an upcoming CEO Town Hall and take advantage of the surveys you receive as added ways for your voice to be heard. We appreciate all of the feedback provided and take it seriously as we continue to evolve and grow.

4.0

Mar 23, 2024

Basepay

Senior pm

Recommend

CEO approval

Business Outlook

Pros

Base pay is comparable to market value

Cons

Organization feels chaotic but appears it is due to change in leadership that is trying to shift to a more modern approach.

Bread Financial Response

2y

Thanks for taking the time to leave a review! We're so glad you find the base pay to be comparable to market value! We know changes with an organization whether big or small are an adjustment and we're always working to ensure our associates and company are set-up for future success!

1.0

Mar 23, 2024

Overworked and underpaid, most DS are on the way out.

Data scientist

Recommend

CEO approval

Business Outlook

Pros

Decent benefits (only for those who have kids or baby boomers though, zero support for new grads or student loans). FTO, that you will never get to use because you’re so overworked. Decent SLT support but directors are overworked due to inefficient structure of depts. Decent corporate culture outside of analytics/DS teams.

Cons

It’s bizarre, most of the other technical people I talk to mention how underpaid they are and then ask where I’m interviewing like most of their peers are already interviewing too. Like across multiple depts I’ve ran into this. Lots of confusing restructuring. Our entire department got moved recently but it took them a month to put a meeting together to tell us about it, only to not tell us at the meeting. I still have no idea who I’m supposed to be working with external to my team. Layoffs potentially in horizon and no indication of growth or innovation to make up the difference. It used to be a decent place to work in Columbus but I just can’t rationalize working here anymore. It’s sad because I used to have a lot of loyalty to this company.

Bread Financial Response

2y

Thank you for sharing your list of Pros, Cons and Advice. We appreciate your recognition of our benefits, FTO, SLT support, and corporate culture. Our goal is to remain competitive in pay and benefits across various markets in which we do business and we review our pay practices regularly in order to ensure we achieve that goal. We take your concerns seriously and will pass along to the appropriate teams. Thanks for all of your contributions!

Viewing 328 - 330 of 1,720 Reviews

Jobs at Bread Financial

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Senior Cybersecurity Operations Engineer - AI

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Bread Financial

Bread Financial reviews

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Run away as fast as you can

Basepay

Overworked and underpaid, most DS are on the way out.

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