Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,792 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 always assessing the marketplace" ((in 185 reviews)); "Good pay and it was remote" ((in 139 reviews)); "Good and good work life balance" ((in 113 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 101 reviews))

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

"Poor management, and lack of structure." ((in 55 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 38 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 33 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 25 reviews)); "Changing too fast with too little communication" ((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

(1,722 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 1,722 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

Jun 7, 2023

Experience

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Worth it for the experience…

Cons

Not a long-term kind of place…

Bread Financial Response

3y

We appreciate you sharing that you recommend working at Bread Financial for the experience. We have a culture where YOU matter and you're empowered to thrive!! We help associates engage and remain focused, we embrace a work environment of the future that promotes flexibility and work-life harmony. We creative an inclusive, equitable culture that attracts and values diversity of thought, experience, background, skills, and ideas to help associates thrive and contribute to the success of our business. Did you know we've been in business for 25+ years? We're planning to continue being a tech-forward financial services company and provide simple, personalized payment, lending, and savings solutions in the next 25 years as well! :)

3.0

Jun 6, 2023

it okay

Recovery specialist

Recommend

CEO approval

Business Outlook

Pros

good salary for someone with no degree

Cons

stressful department and constant changes

Bread Financial Response

3y

Thanks for sharing about your experience as a Recovery Specialist! Glad to hear you're happy with the compensation and benefits we offer. We know doing customer support can be a stressful role -- Please make sure you're taking advantage of your Living Well benefits including free therapy, your reward, remote meditation and exercise, and many other benefits you can learn about on the Inview page.

5.0

May 31, 2023

Strong values

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

BF values excellence, integrity, and accountability.

Cons

You can’t fake it here.

Bread Financial Response

3y

Thanks for this very balanced review! We absolutely agree with you that we seek out talent who shares our values -- to be real, be courageous, be nimble, be dependable, and be kind and pay it forward. We're always looking for smart, hardworking individuals who are willing to learn and improve. Those who are successful tend to be flexible and adaptable in a fast-paced, ever-changing environment. We are about to begin our mid-year review process and we do a formal end of year performance review, but timely, constructive feedback should happen regularly and as needed during one-on-one meetings with your leader. Thank you for your contributions and for sharing this review!

Viewing 454 - 456 of 1,722 Reviews

Jobs at Bread Financial

Senior Cybersecurity Operations Engineer - AI

Global Audit Staff II

Artificial Intelligence (AI) Operations Manager

Director Fraud Strategy

Senior Technical Product Owner

Bread Financial

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it okay

Strong values

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