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 always assessing the marketplace" ((in 188 reviews)); "Good pay and it was remote" ((in 141 reviews)); "Good and good work life balance" ((in 126 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 113 reviews)); "Great people and very clean place." ((in 96 reviews))

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

"Poor management, and lack of structure." ((in 53 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 38 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 23 reviews)); "Changing too fast with too little communication" ((in 15 reviews)); "Finally one day upper management called our group in a room and let everyone go." ((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 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

Company ratings over time

Ratings trend for the last 6 months (1,725 reviews)

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 1,725 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).

Reviews by job title

2K reviews

5.0

Mar 14, 2023

Dynamic

Collections specialist

Recommend

CEO approval

Business Outlook

Pros

Dynamic work environment, experienced senior-level employees who are willing to provide mentorship.

Cons

The customers. That’s it. Most people would probably say the same.

Bread Financial Response

3y

This is great to see a review from a Collections Specialist who shares that leadership is supportive and provides mentorship for growth opportunities. We're glad to see you're enjoying the environment and culture. Yes, we know working in customer service can be a challenge and we are so appreciative of our staff who bring their skills and patience for service to our business. We couldn't do what we do without you!

5.0

Mar 14, 2023

Great culture and collaboration

Sr manager

Recommend

CEO approval

Business Outlook

Pros

Collaborative, work-life balance, caring/inclusive culture, good pay, development programs, open to switching departments

Cons

Working through issues, limited advancement opportunities in certain groups

Bread Financial Response

3y

We appreciate seeing a Senior Manager writing a review here! It is wonderful to see the values we articulate resonate with leadership and associates in the business. We're glad to see that you feel like you're given the resources and opportunities to be your best here. We work hard to create a community in which you feel cared for, understood, supported, and valued.

5.0

Mar 13, 2023

Pleasantly surprised

Customer service representative (csr)

Recommend

CEO approval

Business Outlook

Pros

I was pleasantly surprised by how much I enjoyed this job. I learned that I thrive in customer service, and also that I’m a fast learner.

Cons

I don’t have any grievances.

Bread Financial Response

3y

That's great that you realized that you have an inherent talent for customer service!! Not everyone has the ability or stamina to support and solve customer issues on a daily basis. We all tend to like things at which we are naturally gifted and we're thrilled you discovered that here!

Viewing 565 - 567 of 1,725 Reviews

Jobs at Bread Financial

Senior Category Strategist

Senior Technical Product Owner

Principal Operational Excellence Analyst

Director Fraud Strategy

Senior Cybersecurity Operations Engineer - AI

Bread Financial

Bread Financial reviews

Company ratings over time

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Reviews by job title

Dynamic

Great culture and collaboration

Pleasantly surprised

Jobs at Bread Financial

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