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

Oct 22, 2022

Good company, good total compensation

Marketing executive

Recommend

CEO approval

Business Outlook

Pros

Compensation package is fairly lucrative.

Cons

Shifts in business strategy leads to ambiguity in roles between teams.

Bread Financial Response

Thanks for your review and we're happy to hear that you're very happy with the compensation package. Beyond simply offering competitive wages, we have a lot of extra benefits like the $350 reimbursement from Living Well to help you purchase equipment, classes, and everything in between to get active and live your best life! As a business that is in the fin tech space we are often nimble and can change direction quicker than larger, more tradition banking companies. We like to think of this as a strength!

4.0

Oct 17, 2022

Comfortable Company

Senior systems analyst

Recommend

CEO approval

Business Outlook

Pros

Good senior leadership, good pay, great working environment with true work-life balance.

Cons

Lots of recent changes within the IT organization with little communication and lack of foresight.

Bread Financial Response

Thanks for the compliments in your review!! There have been some big changes in our IT organization recently that will help us compete in the highly competitive payments and lending marketplace. We are continuing to modernize our technology and launch innovative products and capabilities. We're transitioning to an Agile domain-based delivery model which will allow us to be more responsive to change and foster continual improvement, and improve collaboration. We hope you start to enjoy some of the modernization to make us more flexible and efficient! Thanks again for your review!

2.0

Oct 17, 2022

Decent

Consumer deposit specialist

Recommend

CEO approval

Business Outlook

Pros

The job is okay. Decent pay.

Cons

Horrible hours. Horrible management. VERY unorganized company.

Bread Financial Response

Thanks for your review. We're disappointed to hear that you don't like your hours or your management. Although we're not sure exactly what resources you're looking for, we think you'll find information very well-organized on our Inview page. Please feel free to reach out to People Center for general support or a member of HR if you'd like to discuss your concerns more specifically (and privately).

Viewing 700 - 702 of 1,726 Reviews

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