Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.1 out of 5, based on over 1,781 reviews left anonymously by employees. This rating has been stable over the past 12 months. 80% of employees would recommend working at Bread Financial to a friend and 80% have a positive outlook for the business. The best reviews about Bread Financial have been left by employees working as Anonymous , Associate and Senior Analyst .

Does Bread Financial pay their employees well?

According to anonymously submitted Glassdoor reviews, Bread Financial employees rate their compensation and benefits as 4.3 out of 5. Find out more about salaries and benefits at Bread Financial. This rating has been stable over the past 12 months.

How satisfied are employees working at Bread Financial?

80% of Bread Financial employees would recommend working there to a friend based on Glassdoor reviews . Employees also rated Bread Financial 4.3 out of 5 for work life balance, 4.3 for culture and values and 3.9 for career opportunities.

What are the top reviewed jobs at Bread Financial?

Anonymous (105) , Customer Service Representative (97) , 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 178 reviews)); "Good pay and it was remote" ((in 142 reviews)); "Good and good work life balance" ((in 121 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 113 reviews)); "Great people and very clean place." ((in 102 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 35 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 30 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 21 reviews)); "Not always forth coming Communication isn’t always clear" ((in 14 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 Bread Financial locations have received the highest employee ratings?

Draper , Albuquerque , Chadds Ford , Cincinnati , Plano , New York , Milford , Kansas City , Rio Rancho , Dallas

Bread Financial reviews

4.1

80% would recommend to a friend

(1,711 total reviews)

Ralph Andretta

90% approve of CEO

80% positive business outlook

Ratings by category

4.4

Diversity & inclusion

4.3

Culture & values

4.3

Work/Life balance

4.3

Compensation and benefits

3.9

Senior management

3.9

Career opportunities

Bread Financial has an employee rating of 4.1 out of 5 stars, based on 1,711 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).

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

2K reviews

2.0

Aug 3, 2023

Burnout

Collections representative

Recommend

CEO approval

Business Outlook

Pros

They send you everything you need, Very nice in the beginning, Pay was okay, My direct leaders were very kind and understanding, Offer competitive benefits

Cons

The ranking system is designed poorly, it’s nearly impossible to climb to hit where they want you to. When you inevitably don’t make those goals they put you on a corrective action and threaten to fire you. It takes a huge toll on mental health because you don’t know if you’ll have a job on the first of the month. Any pto or psl days you take count against you in the ranking so you have to worry about pushing payments out to that day to hope you don’t drop significantly. They tell us to take those days we “earned” but if you take them it counts against you. It’s a lose lose situation. There is a gap in communication between leadership, you can ask three leaders questions and get different answers. It makes doing your job confusing because it seems like everyone is guessing on what the answer is, and if you do something wrong based on listening to a leader you will be talked to about it.

Bread Financial Response

2y

Thanks for sharing that you had a positive onboarding experience with equipment, benefits, and compensation. It's wonderful to hear that you found your leadership to be supportive partners as you learned the ropes. We appreciate your feedback on our performance evaluation system and will share your valuable feedback with leadership. We certainly value our associates and don't want to lose them to burnout as work-life harmony is a core component of our culture.

1.0

Oct 26, 2019

I don’t recommend working here

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

My coworkers were good people.

Cons

I was there for 5years. It used to be a good place to work and I was even proud to work there before but this last year or so took a turn. The senior leadership team is extremely untrustworthy and do not value the employees. The morale of the company is negative all around. They will do whatever possible to save money, which means not backfilling positions and giving extra work to others and sending jobs to India. I no longer believe their message of “driven to grow” and “giving back to the community where they live and work”. It feels like a facade. It’s very sad what the company has become.

Bread Financial Response

6y

Thank you for taking the time to provide a review. We value your opinion and will take this feedback into consideration as we continue to evolve and grow.

1.0

May 1, 2019

Horrible place to work

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

There were previously “pros” they’re all gone now

Cons

Senior management has no idea what they are doing. They also lie consistently about the direction of the company and especially to their employees about performance. Don’t believe any of the things you read. Just more lies from a company whose culture has changed completely. Senior management team only care about the stock price and their options, not the employees

Viewing 40 - 42 of 1,711 Reviews

Jobs at Bread Financial

Senior Technical Product Owner

Category Management Lead

Director Fraud Strategy

Global Audit Staff II

Senior Cybersecurity Operations Engineer - AI

Bread Financial

Bread Financial reviews

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Burnout

I don’t recommend working here

Horrible place to work

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