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

2.0

Oct 7, 2022

Meh

Software engineer

Recommend

CEO approval

Business Outlook

Pros

Good tech stack. Nothing else.

Cons

No RSUs. No clear hiring guidelines. People that joined recently quit within a few months. Inexperienced management looking to just grow their org instead of doing what is right for the company. Company culture promotes awarding heroics.

Bread Financial Response

We appreciate that you took the time to provide feedback. We're sorry to hear about your experience working for BF. Effective leadership is essential to our success as a business, and our very clear hiring guidelines and trainings are what have made us successful in bringing top talent into the organization. We take your concerns sincerely and will pass it along to the appropriate teams.

1.0

Oct 6, 2022

Bad culture

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Pay was nice at the beginning

Cons

Training, company culture, rude customers, zero support from management

Bread Financial Response

We appreciate your feedback. We agree, our pay is outstanding and highly competitive, we're happy to see you feel the same! It's something that we are continuously looking at and monitoring. Our culture, mission and values are an integral part to our Associate's success and why we have so many that stay at BF for large portions of their careers. We will ensure your feedback is passed along to the correct areas.

1.0

Oct 4, 2022

Poorly managed and no room for growth

Technical leader

Recommend

CEO approval

Business Outlook

Pros

Good Benefits Flex Time off Good Work/Life balance

Cons

Very non-technical leadership in the Technology department Only "Yes" people are promoted No diversity in Management. Everyone knows each other and that is how they hire leadership Very poor at delivering new features and new Products Leaders do not think outside the box

Bread Financial Response

Thank you for taking the time to leave feedback. We definitely agree that BF offers great benefits and flexible schedules for those who need it. It's an important part of our culture that our Associates feel supported in their work/life balance. We are always looking for ways to be a more streamlined, nimble company, and the recent restructuring in our technical space will help us do just that. Your feedback will be taken seriously and we appreciate you taking the time to let us know your concerns.

Viewing 709 - 711 of 1,726 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Principal Operational Excellence Analyst

Senior Technical Product Owner

Principal - Analytical and Automation Solutions