Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,796 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 2% 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 (107) , 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 174 reviews)); "Good pay and it was remote" ((in 142 reviews)); "Good and good work life balance" ((in 114 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 110 reviews)); "Great people and very clean place." ((in 107 reviews))

What are the cons of working at Bread Financial according to real employee reviews?

"Poor management, and lack of structure." ((in 54 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 39 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 23 reviews)); "Not always forth coming Communication isn’t always clear" ((in 13 reviews)); "Finally one day upper management called our group in a room and let everyone go." ((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

(1,726 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 1,726 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

4.0

Nov 10, 2022

Remote work

Customer service representative

Recommend

CEO approval

Business Outlook

Pros

Work from home opportunities and supplies equipment!

Cons

Hiring process took over a month

Bread Financial Response

Working from home is a great perk and having the technology to effectively do this critical for success!! We try to ensure that every new hire gets everything they need to be successful from a technology perspective from their first day. Depending on when you apply, when our next new hire date is, and how long your background check takes for completion can impact how long it takes to get to your first day. We try to be flexible and make it happen as quickly as possible for new associates who are ready to get started, while also giving people who need time to put in and work out their two week notice (we absolutely support the professional courtesy!) time to do so. We're glad to hear you're liking it so far!

5.0

Nov 10, 2022

Great place

Customer service

Recommend

CEO approval

Business Outlook

Pros

Good place to work and ppl

Cons

No cons great attitude with employees

Bread Financial Response

Thanks for the short and sweet review! It sure is great to hear that you like your job, your coworkers, the culture, and the work itself! Thank you for taking the time to share your feedback!

4.0

Nov 6, 2022

Work review

Operations lead

Recommend

CEO approval

Business Outlook

Pros

Growth and development, benefits, pay

Cons

Schedule with working weekends, little flexibility

Bread Financial Response

Hi there - thanks for the review! We're glad to see that growth and development are as important to you as they are to us. It's great to see that you find the benefits and compensation to be Pros of working at Bread Financial! We think we offer a pretty amazing suite of benefits. Working weekends will never be totally ideal, right? We realize that in our business of customer service, we have to be available when our customers need us, which includes the weekends. Thank you for providing that very necessary support!

Viewing 694 - 696 of 1,726 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Principal Operational Excellence Analyst

Senior Technical Product Owner

Principal - Analytical and Automation Solutions