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 1, 2023

I felt valued and appreciated every moment of every day

Individual contributor

Recommend

CEO approval

Business Outlook

Pros

One thing that stuck with me from my time at BF was how valued and appreciated I felt every single day. Management really went out of their way to make sure I knew how important my contributions were and it definitely impacted what I look for in future career decisions.

Cons

There was limited room to move up within the established company hierarchy.

Bread Financial Response

Thank you for sharing this clear message. Knowing you are valued and appreciated by your management team can make a huge impact on work satisfaction and ultimately your personal career planning and future career decisions. In 2022 we had a lot of new hire growth and as the market settles down a bit in 2023, we expect to focus even more on internal growth, development, and promotion.

4.0

Jan 31, 2023

Ok place

Customer service representative

Recommend

CEO approval

Business Outlook

Pros

Great benefits and work life balance

Cons

Not being able to put bid in for schedule change

Bread Financial Response

Welcome to the team! Glad to see you're liking our competitive compensation package, supportive benefit programs, and our approach to work-life harmony! We can appreciate that shift scheduling can be a challenge but we have policies in place to fairly handle all requests and preferences in a standardized way - no playing favorites. Hoping you can get a shift that best works for your life soon!

5.0

Jan 31, 2023

Good company to work for.

Procurement analyst

Recommend

CEO approval

Business Outlook

Pros

worklife balance; good compensation benefits; continuous improvement programs

Cons

did not find any cons.

Bread Financial Response

Hey - welcome to the team. We really embrace a work environment of the future that promotes flexibility, autonomy, and work-life harmony. Having the ability to work from the comfort of your home, manage your own schedule, and get support for your total well-being is an incredibly rewarding experience for our associates! We're so glad you like it here and we gear up for an exciting 2023!

Viewing 658 - 660 of 1,724 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Principal Operational Excellence Analyst

Senior Technical Product Owner

Staff Technology & Cyber Governance - AI Governance

Principal - Analytical and Automation Solutions