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

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Bread Financial

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

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 1,724 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).

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

2K reviews

5.0

Feb 22, 2023

I loved working there

Customer service representative (csr)

Recommend

CEO approval

Business Outlook

Pros

Working there was an invaluable learning experience.

Cons

As with any customer facing role, you’re going to encounter bad apples who can’t be satisfied no matter what you do. You can’t let them get to you!

Bread Financial Response

That's a good reminder to all of us in customer-facing roles. There are certainly some difficult interactions and you cannot let one conversation wreak havoc on your day. We're so glad you feel like you've been learning and developing in your role with us. Thank you for the review!

5.0

Feb 22, 2023

Collections Specialist Review

Collections specialist

Recommend

CEO approval

Business Outlook

Pros

Bread Financial is the best place I’ve ever worked! I can make my own hours, the pay is spectacular, everyone I’ve interacted with has been very kind, and most important of all: I enjoy what I do.

Cons

There are 0 downsides to working here.

Bread Financial Response

Well, there you have it, folks! Best review ever!! Thanks so much for adding this review. We're glad to hear you love making your own hours and are thrilled with the compensation. Perhaps the best aspect is having caring colleagues that help you enjoy what you do every day! So happy you've found your home with us!

5.0

Feb 22, 2023

Positive experience

Software engineer

Recommend

CEO approval

Business Outlook

Pros

I thoroughly enjoyed my time there. I would definitely recommend this employer to others.

Cons

Organizational structure could’ve been better.

Bread Financial Response

Over the time you've been employed here, we have had some organizational re-structures, especially in the IT Department, as we become more nimble and more aware of our direction and future purpose in the market. Now that we've gone through a rebrand of our company brand and become Bread Financial, we are poised for future success. Thanks for recommending others to join our organization!!

Viewing 625 - 627 of 1,724 Reviews

Jobs at Bread Financial

Lead - Analytical and Automation Solutions

Principal - Analytical and Automation Solutions

Site Reliability Engineering Senior Manager

Senior Staff Agentic AI Engineer

Principal Operational Excellence Analyst