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 16, 2023

Good pay + benefits

Anonymous

Recommend

CEO approval

Business Outlook

Pros

The benefits and pay are both pretty good.

Cons

I wasn’t a huge fan of how “team” oriented the entire company was.

Bread Financial Response

Thanks for your review -- even though you're sharing a facet (team collaboration) that wasn't a fit for you individually, your review will still help others determine if we're the type of company they want to work for. Thanks for the compliments on the compensation and benefits packages we offer -- we generally get pretty great feedback from associates about being satisfied with these aspects as we have to take care of our associates in order for them to take care of our business and our customers.

5.0

Feb 16, 2023

No real cons

Anonymous

Recommend

CEO approval

Business Outlook

Pros

Just about everything to working here is a pro.

Cons

Like I said, no real cons.

Bread Financial Response

Thanks for your short and sweet review. We're glad you like working for Bread Financial and hope you continue your career here for a long time!

2.0

Feb 15, 2023

Great culture gone

Senior account specialist

Recommend

CEO approval

Business Outlook

Pros

Consistent bonus. Fair pay. Work from home

Cons

Lost me once worksite closed for in person work. Not enough engagement with employees. No longer feel welcomed. If you want to be treated with dignity, this is no longer the place to be.

Bread Financial Response

Thanks for sharing your perspective! We've been consistently asking our associates about their work environment preferences quarterly in recent years as the pandemic has waned. Our data tells us associates want to continue to work from home and find other ways to interact with one another. Engagement is still critical and we offer a lot of resource groups, on-demand exercise classes, team chats, company meetings, events, and community involvement to keep connected to one another. If you're genuinely interested in returning to an onsite position, please contact your supervisor to discuss a possible arrangement.

Viewing 634 - 636 of 1,724 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Principal Operational Excellence Analyst

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Staff Cyber Security Engineer – AI Product Security