Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.2 out of 5, based on over 1,781 reviews left anonymously by employees. This rating has been stable over the past 12 months. 82% of employees would recommend working at Bread Financial to a friend and 81% 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 4.4 out of 5. Find out more about salaries and benefits at Bread Financial. This rating has improved by 1% over the last 12 months.

How satisfied are employees working at Bread Financial?

82% 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

4.2

82% would recommend to a friend

(1,711 total reviews)

Ralph Andretta

91% approve of CEO

81% positive business outlook

Ratings by category

4.4

Diversity & inclusion

4.4

Compensation and benefits

4.3

Culture & values

4.3

Work/Life balance

4.0

Senior management

3.9

Career opportunities

Bread Financial has an employee rating of 4.2 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

3.0

Dec 13, 2019

In Transition

Account manager

Recommend

CEO approval

Business Outlook

Pros

Decent pay. Flexible hours. No micromanagement if you perform.

Cons

Company is in transition and everyone is scared of layoffs. Not a great time to be working here. If the company avoids a sale and layoffs come to an end it might turn around. Id avoid it for now.

Bread Financial Response

Thank you for your feedback.

1.0

Oct 28, 2019

Alliance Data company review

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Gave the impression of wanting to improve internal talent, which was also a lie, underpaid employees in key areas such as Information Security and Application development.

Cons

With no warning whatsoever, upper management laid off over 300 people with no explanation given. Their goal is to expand their foreign office so they can just outsource anyone in the States who works for them. Management gives no direction or feedback about what team members should be doing. Stock has gone consistently down since the new CEO took over, as well as underpaying people in critical areas. If you want somewhere that values work you do and won't dump you office for the sake of the bottom line at the first opportunity, then work elsewhere.

Bread Financial Response

Thanks for taking the time to leave us a review. Alliance Data recently made the difficult but necessary decision to eliminate approximately 300 positions across our cards services business. This decision will ensure we are a more appropriately sized and structured organization, as part of our ongoing effort to streamline and simplify our business model.

1.0

Oct 25, 2019

It used to be good

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

VTO ( PTO if they will approve it )

Cons

Very poor communication. Scheduling. Will fire a bunch of people then turn around and send out an email about being a family..

Bread Financial Response

Recently, Alliance Data has made the difficult but necessary decision to eliminate approximately 300 positions across our cards services business. This decision will ensure we are a more appropriately sized and structured organization, as part of our ongoing effort to streamline and simplify our business model. We are grateful to all our associates for their service, and wish them the best moving forward.

Viewing 52 - 54 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