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 176 reviews)); "Good pay and it was remote" ((in 141 reviews)); "Good and good work life balance" ((in 124 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 112 reviews)); "Great people and very clean place." ((in 100 reviews))

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

"Poor management, and lack of structure." ((in 52 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 39 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 22 reviews)); "Changing too fast with too little communication" ((in 15 reviews)); "Lack of growth opportunity." ((in 12 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

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Bread Financial

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

1.0

Oct 23, 2013

Strange place to be

Director

Recommend

CEO approval

Business Outlook

Pros

Salaries are fair, bonuses are almost always paid for certain business units (not Epsilon)

Cons

Extreme political, if you are coming from a "cut-throat" environment and think you got it, think twice. This place is my utmost Halloween nightmare - everybody is wearing the Nice mask and the Happy costume, but beneath they are monsters.

2.0

Aug 26, 2021

Culture is dead and leadership does not care

Manager

Recommend

CEO approval

Business Outlook

Pros

Nowadays you can pretty much not do any work and fly by

Cons

- Where to start. Leadership over promises and under delivers - Culture is gone - Just look at the last time they made a blog post - You will never be promoted or get a raise - You can be replaced

Bread Financial Response

Thank you for taking the time to share your feedback and for the years you spent at Bread. We are disappointed to hear, but also appreciate the feedback and we are looking for meaningful ways to improve. We have made a lot of investments in leadership recently across the organization, and in growing our People Operations team, and expect to see the payoff of this investment over the next several months. It has been a huge transition with the acquisition and there have been changes as a result. We wish you the very best in your career.

2.0

Jan 15, 2020

Analyst at Alliance Data

Analyst

Recommend

CEO approval

Business Outlook

Pros

I use to be proud to work at this company and over the past few years the company has gone completely downhill. The company does offer great flexibility, work from home options and PTO/benefits but it’s not worth it when you’re scared of being laid off everyday.

Cons

No job security and morale is horrible. Everyone walks around the office scared because they don’t know if they will be laid off next. Maternity leave is HORRIBLE and leadership no longer cares about their employees. I would never recommend someone to work at this company. They completely blindsided employees and laid off 400 people right before the holidays. The culture is no longer there and it’s sad senior leadership made so many poor decisions to let the company crumble.

Bread Financial Response

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

Viewing 49 - 51 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