Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,794 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 (98) , 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 177 reviews)); "Good pay and it was remote" ((in 139 reviews)); "Good and good work life balance" ((in 125 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 99 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 37 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)); "Management, no consistency, favoritism, lots of promises none kept" ((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

(1,724 total reviews)

Ralph Andretta

92% approve of CEO

84% positive business outlook

Company ratings over time

Ratings trend for the last 6 months (1,724 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 1,724 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

Feb 28, 2023

A leader in the industry

Application-engineer

Recommend

CEO approval

Business Outlook

Pros

Reputable organization doing big things.

Cons

Some of the systems they used were a little outdated.

Bread Financial Response

3y

We always appreciate hearing from our Engineers on this site since you all have a good feel for when an organization is doing important work and doing it well. We appreciate the time you took to share a review with others!

3.0

Feb 27, 2023

Financial institute

Training coordinator

Recommend

CEO approval

Business Outlook

Pros

Good flexibility, hybrid model of working,

Cons

No growth, recognition, motivation nor proper career growth streamlined

Bread Financial Response

3y

Hi there, thanks for sharing your feedback on your experience working as a trainer. Teaching and training remotely can be an exhausting role even when it is flexible. We'd encourage you to get connected to The Development Community Teams Channel to get connected with resources for setting some career goals, refilling your tank, and setting a more directed path for yourself. We want you to develop and grow within your role or to other roles in the organization as internal mobility is something we highly value. Let's get you connected with the right resources!

5.0

Feb 27, 2023

Marketing at Bread

Marketing

Recommend

CEO approval

Business Outlook

Pros

Bread gave me a platform to showcase my strengths while developing my weaknesses. I left feeling more confident in my abilities than when I started. I’m proud to have been on their team!

Cons

Very high expectations, and often worked long hours. If you’ve spent some time working for a smaller business, just be mindful that BF will likely be more high-intensity than what you’re used to.

Bread Financial Response

3y

Thanks for sharing your feedback! We agree that we can be high-intensity but that's because we have big plans and big goals to attain. We're glad to hear your time here helped you develop as a professional in your field and even improve on some areas that needed some additional attention. It's great to hear you've become more confident after spending time within our company! Best of luck to you!

Viewing 613 - 615 of 1,724 Reviews

Jobs at Bread Financial

Senior Category Strategist

Senior Technical Product Owner

Principal Operational Excellence Analyst

Senior Staff Agentic AI Engineer

Director Fraud Strategy

Bread Financial

Bread Financial reviews

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Financial institute

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