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 187 reviews)); "Good pay and it was remote" ((in 140 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 114 reviews)); "Great people and very clean place." ((in 102 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 36 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 31 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 15 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

3.0

Dec 28, 2022

Great Coworkers. Extremely Progressive Corporate Culture

Application developer

Recommend

CEO approval

Business Outlook

Pros

-Opportunities to get promoted from within the company. -Decent pay and benefits. -Great coworkers.

Cons

-Aggressively woke, progressive stances on social issues. -Promotions based primarily on length of time with the company and diversity. -Very complex, convoluted IT infrastructure and Info Sec policies (nothing here operates smoothly).

Bread Financial Response

3y

Thanks for sharing the positive aspects you enjoyed while working with Bread Financial! We agree that there are lots of avenues to consider career advancement and explore growth opportunities. We pride ourselves on market competitive compensation, benefit offerings, and high-quality talent. We do have a pretty "woke" culture because we have our eyes open to what matters to our entire associate population. We want our associates to feel comfortable, supported, and empowered to thrive in their career at Bread Financial.

3.0

Dec 28, 2022

toxic management

Process associate operations

Recommend

CEO approval

Business Outlook

Pros

* variable pay is good, decent package. * Company is good.

Cons

* Toxic management(collections Bangalore) * The leaders doesn't have people management skills. * Too much of micro management *No room for growth * No work flexibility * No transparency

Bread Financial Response

3y

Thank you for taking the time to share your concerns. As you know, internal growth opportunities, work flexibility, and transparency are some of our core values, are critical to our success, and we want to make them available to associates across departments, in both India and the US. It can be difficult to provide you with specific guidance on this platform without knowing more details, but we take your concerns seriously and have shared them with the senior leadership to explore further. For guidance on a specific situation you're encountering as a current employee, please reach out to your PSSP (People Strategy + Support Partner (formerly known as the HR Business Partner).

5.0

Dec 23, 2022

Great place to work

Business risk and control associate

Recommend

CEO approval

Business Outlook

Pros

Great culture, amazing people, good benefits

Cons

Busy and hectic, unclear leadership direction

Bread Financial Response

3y

Thanks so much for sharing your 5-star review!! We're glad you're thrilled with the culture, your team members, and the compensation and benefits package. We hope that you find we've been improving on communication transparency and eliciting feedback from you that we can put into action to improve the associate experience in the last year.

Viewing 673 - 675 of 1,725 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Senior Technical Product Owner

Principal Operational Excellence Analyst

Principal - Analytical and Automation Solutions

Staff Technology & Cyber Governance - AI Governance

Bread Financial

Bread Financial reviews

Ratings by category

Ratings by demographic groups

Reviews by job title

Great Coworkers. Extremely Progressive Corporate Culture

toxic management

Great place to work

Jobs at Bread Financial

Bread Financial reviews FAQs

Want the inside scoop on your own company?

Bowls

Followed companies

Job searches

Bread Financial reviews FAQs

Jobs at Bread Financial