Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,795 reviews left anonymously by employees. This rating has increased by 3% over the last 12 months. 85% 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 3% over the last 12 months.

How satisfied are employees working at Bread Financial?

85% 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 182 reviews)); "Good pay and it was remote" ((in 141 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 115 reviews)); "Great people and very clean place." ((in 104 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)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 32 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 24 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 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 , Frisco , Irving , Spokane , Ohio

Bread Financial reviews

4.3

85% would recommend to a friend

(1,725 total reviews)

Ralph Andretta

92% approve of CEO

84% positive business outlook

Ratings by category

4.5

Diversity & inclusion

4.4

Culture & values

4.4

Work/Life balance

4.4

Compensation and benefits

4.1

Senior management

4.0

Career opportunities

Bread Financial has an employee rating of 4.3 out of 5 stars, based on 1,725 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

5.0

Mar 21, 2023

Organized

Anonymous

Recommend

CEO approval

Business Outlook

Pros

Upstanding, ethical organization that’s well organized, has a set list of procedures for any given situation, and helpful people who enjoy collaboration.

Cons

With all the red tape that comes with big businesses like Bread, it can take forever for requests to be acknowledged or resolved. With that in mind, it was clear that higher ups worked to address requests as quickly as possible.

Bread Financial Response

3y

Thanks for the genuine review -- both the pros and cons. We appreciate you sharing that we're an ethical organization that is well organized -- we certainly try to be! There is some precautionary red tape in the regulated banking industry (for good reasons!) and with a large organization like ours, we realize that we prioritize getting it right over speed to solutions. Glad you're enjoying working here!

1.0

Mar 21, 2023

Terrible place to work, Leadership is full of liars!

It support technician

Recommend

CEO approval

Business Outlook

Pros

Was a good place to work, till Ralph took over. Now it's nothing but over work and eventual lay offs. Current IT employees are over worked and Those being let go were lied too directly.

Cons

Leadership is very new york and inside based. If you're not on the inside of that, you're job is in jeopardy.

Bread Financial Response

3y

The recent restructuring in our IT department was in support of our business transformation – We are modernizing our technology to ensure we can continue to successfully and efficiently meet the demands of our growing business in this highly competitive industry. We're sorry to hear you're feeling overworked. Please feel free to reach out to your supervisor or explore Inview to check out some of our Living Well benefits to find resources that could assist you in better work-life harmony.

5.0

Mar 20, 2023

I can finally go on vacation

Associate

Recommend

CEO approval

Business Outlook

Pros

I’ve been able to take my family on vacation for the first time in years, which is nice!! I love their culture and the people I work with are awesome.

Cons

Depending on your position, growth can be limited.

Bread Financial Response

3y

Enjoy your vacation time! We hope you can fully disconnect, enjoy time with your friends/family, and recharge yourself. We realize that our associates can only be their best at work when they're rested and supported. Be sure to check out our new Career Navigator program that launched last week to learn about growth opportunities in front of you!

Viewing 547 - 549 of 1,725 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Senior Technical Product Owner

Senior Cybersecurity Operations Engineer - AI

Staff Technology & Cyber Governance - AI Governance

Staff Cyber Security Engineer – AI Product Security

Bread Financial

Bread Financial reviews

Ratings by category

Ratings by demographic groups

Reviews by job title

Organized

Terrible place to work, Leadership is full of liars!

I can finally go on vacation

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