Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,795 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

Bread Financial reviews

4.3

85% would recommend to a friend

(1,725 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 1,725 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

Jan 25, 2023

I love my job.

Customer care advocate

Recommend

CEO approval

Business Outlook

Pros

Pay Benefits 401k After only 6 months you are able to move up in the company. Triple pay for holidays worked. Great support from management and peers.

Cons

Schedule suck, when hired you always get an evening shift. You can try for a schedule change after being there 3 months. I've been here for 6 years and still cant get an early shift schedule. Points system.

Bread Financial Response

3y

Hi there - thanks for your review and your 6 years working in Customer Service! Our 401K plan enhancements for this year are pretty amazing -- not only does it start right when you begin employment but we also automatically set you up with a 3% contribution (of your base salary) regardless of whether the employee contributes anything. We're helping people save by contributing our money to their accounts! We're so glad to hear you feel supported by your management and by your peers -- that makes work so much more enjoyable for everyone!

4.0

Jan 24, 2023

Great corporate culture

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Associate focused, excellent work life balance

Cons

Unfortunate collaborations& partnerships that don’t end up being as great as advertised

Bread Financial Response

3y

Hi there - thanks for your feedback. It is great to see a balanced review like this with both pros and cons since that is real-life. :) We're glad to see you recognize and appreciate the focus we put on work-life balance and focus on associate well-being. We're always looking for great partnerships and some certainly work out better than others, as does anything in life. Thanks for staying with us for 20+ years!

2.0

Jan 18, 2023

Terrible management

Associate

Recommend

CEO approval

Business Outlook

Pros

I initially took the job due to the ability to work from home. The pays better than a lot of places in town and so are the benefits.

Cons

Severely lacking in structure and functionality. The way they want things to operate vs how they actually operate are vastly different. You're not provided with all the tools to do your job to their standard, and when there's a system or IT issue you rarely get it resolved. There is a huge miscommunication issue between management and staff, and a lot of the time they omit important information. Getting sick is a challenge, they offer a limited amount of PSL but if you have to leave or take the day off without PSL you incur attendance points. You're ranked based off your calls and productivity, so when the phone lines are mixed up and calls come through that you shouldn't receive you have to transfer which negatively impacts your rating. Seems to be set up to reward those who disregard the customer's needs and hurts those who do our best to assist customera.

Bread Financial Response

3y

We're sorry to read that you've had a less-than-ideal experience joining our company. Glad that you love working from home and that you feel like the compensation and benefits are a strong incentive! We know no one loves to get sick and totally understand that it can throw your routine into chaos. We provide generous Paid Sick Leave Plus (PSL+) to ensure our non-exempt associates have the paid time off to get healthy and take care of themselves! We encourage you to provide feedback on your experience with your supervisor. If you have unresolved issues, we encourage you to reach out to People Center (HR) for support.

Viewing 667 - 669 of 1,725 Reviews

Jobs at Bread Financial

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Bread Financial

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I love my job.

Great corporate culture

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