Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,791 reviews left anonymously by employees. This rating has increased by 3% over the last 12 months. 84% of employees would recommend working at Bread Financial to a friend and 84% 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, 4.4 for culture and values and 4.0 for career opportunities.

What are the top reviewed jobs at Bread Financial?

Anonymous (106) , Customer Service Representative (99) , 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 171 reviews)); "Good pay and it was remote" ((in 135 reviews)); "Good and good work life balance" ((in 117 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 108 reviews)); "Great people and very clean place." ((in 101 reviews))

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

"Poor management, and lack of structure." ((in 54 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 25 reviews)); "Forced into a new role with no training" ((in 15 reviews)); "Changing too fast with too little communication" ((in 15 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

(1,721 total reviews)

Ralph Andretta

92% approve of CEO

84% positive business outlook

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Bread Financial has an employee rating of 4.3 out of 5 stars, based on 1,721 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

5.0

Jul 15, 2023

Amazing culture

Sr. specialist

Recommend

CEO approval

Business Outlook

Pros

I feel so lucky to have found bread financial after being unemployed during the pandemic. The work life balance is great and there is a ton of flexibility about when and where you get your job done. The company seems to genuinely care about their employees which I haven't been able to say before with previous employers. CEO is down to earth which is refreshing.

Cons

Depending on your department, the workload can be intense. Currently hard to get in even if you know someone who can recommend you. The majority of external new hires I've seen are former employees who have come back due to the improved work culture from pre-pandemic

Bread Financial Response

2y

We love hearing that you love the flexibility and work-life harmony we offer at Bread Financial. It really is a wonderful culture and we appreciate you sharing your experience!

4.0

Jul 6, 2023

Good place to work, but less pay and worst talent acquisition team.

Data scientist

Recommend

CEO approval

Business Outlook

Pros

Company offers good benefits and work life balance for it's employees.

Cons

Worst talent acquisition team , not responsive, doesn't provide any feedback and most of the recruiters are biased.

Bread Financial Response

2y

We're pleased to hear that you find Bread Financial to be a great place to work. Did you know we were recently certified as a "GREAT Place to Work in the US" based on a third-party survey of our associates? 87% of our employees say it is a great place to work compared to only 57% of employees at a typical US-based company!! We are very proud of our honest and ethical Talent Acquisition business practices. Our team works hard to deliver an exceptional candidate experience to every applicant, regardless of whether that concludes with a job offer. We provide extensive training to all recruiters and interviewers to educate them on conducting consistent, structured, competency-based interviews and to avoid bias and any illegal questions. If you are seeking feedback on a recent internal interview, please reach out to your People Strategy and Support Partner for assistance. For more on Great Places to Work, check out: https://www.greatplacetowork.com/certified-company/1121310

4.0

Jul 6, 2023

Great benefits

Customer service representative (csr)

Recommend

CEO approval

Business Outlook

Pros

Insurance since day 1 Able to pick schedule

Cons

Back to back calls Rude customers

Bread Financial Response

2y

We're so glad to hear you LOVE the Benefits Package we offer to our associates (AND that we offer those benefits starting on Day 1 of employment)! Thank you for being a part of our Customer Care team! We know it takes special skills and genuine patience to service our customers every day. We appreciate the work you do and we want you to know that you are a valuable part of our business. We will share your suggestions with the leadership. Thank you for being a part of our team!

Viewing 436 - 438 of 1,721 Reviews

Jobs at Bread Financial

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Global Audit Staff II

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Bread Financial

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Amazing culture

Good place to work, but less pay and worst talent acquisition team.

Great benefits

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