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 fellow employees" ((in 175 reviews)); "Good pay and it was remote" ((in 142 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 108 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 55 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 23 reviews)); "Changing too fast with too little communication" ((in 14 reviews)); "3. Favoritism and Lack of Recognition: Contributions often go unacknowledged, with favoritism playing a significant role in promotions and rewards." ((in 13 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 6, 2023

Fantastic company. Amazing people

Director

Recommend

CEO approval

Business Outlook

Pros

Everything I’ve experienced has been exceptional

Cons

No Cons. It’s a fantastic company.

Bread Financial Response

FANTASTIC! Love a short and sweet review with such high praise. Thank you for sharing how happy you've been with working with us! We hope you continue to find the support and connection you need to feel valued and heard in the work you do! We appreciate you sharing your perspective!

2.0

Feb 5, 2023

Bread financial

Senior analyst

Recommend

CEO approval

Business Outlook

Pros

work life balance, no work pressure

Cons

no promotion, poor hike, poor management

Bread Financial Response

It looks like you've been with us 1-2 years - so welcome! In the first 1-2 years , many of our associates are still learning the business and getting comfortable with aspects of their new role, so promotion within that first year may be an unrealistic expectation. We're glad to hear you're happy with the work-life harmony in your new role. We do conduct Annual Reviews (and mid-year check-ins) with merit increases and incentive payout. This just happened in January for the 2022 business year. We make decisions for salary increase and bonus on the basis of the individual's performance and overall company results, which allows us to compensate our associates based on their merit and contributions! One size does not fit all.

5.0

Feb 4, 2023

Room to grow

Anonymous

Recommend

CEO approval

Business Outlook

Pros

There’s plenty of room to grow. My manager sat down with me my very first day and helped me plan out my entire career path with the company. I feel confident that I can not only hit every milestone I expect to, but also that I can exceed the annual expectations and progress even more quickly!

Cons

Here’s hoping things go according to plan!

Bread Financial Response

Thanks for sharing this positive experience! A supportive supervisor makes an enormous impact on your confidence in your future journey with the company, your onboarding experience, and your future work-life harmony... all things we are very passionate about.

Viewing 649 - 651 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