Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.2 out of 5, based on over 1,799 reviews left anonymously by employees. This rating has increased by 1% over the last 12 months. 84% of employees would recommend working at Bread Financial to a friend and 83% 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?

84% 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, 4.3 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 (59) , 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?

"Benefits are good and there is plenty!" ((in 180 reviews)); "Good pay and it was remote" ((in 139 reviews)); "Good and good work life balance" ((in 122 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 97 reviews))

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

"Poor management, and lack of structure." ((in 56 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 15 reviews)); "Finally one day upper management called our group in a room and let everyone go." ((in 11 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

4.2

84% would recommend to a friend

(1,729 total reviews)

Ralph Andretta

90% approve of CEO

83% positive business outlook

Ratings by category

4.5

Diversity & inclusion

4.4

Work/Life balance

4.4

Compensation and benefits

4.3

Culture & values

4.0

Senior management

4.0

Career opportunities

Bread Financial has an employee rating of 4.2 out of 5 stars, based on 1,729 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

Jul 8, 2026

Stable job with good work life balance, but low pay.

Senior category specialist

Recommend

CEO approval

Business Outlook

Pros

Good job stability and healthy work life balance and flexible working arrangements.

Cons

Lower Compensation and annual performance hikes often lag behind.

Bread Financial Response

Thank you for the review. We appreciate your positive comments regarding work life balance and flexibility as we try to make that a priority for our associates and their well-being. We also understand your concerns regarding compensation and will take that feedback to improve the associate experience for all. We thank you for your 3 years of contribution to the organization and wish you the best.

5.0

Jul 8, 2026

The people here are the BEST!

Senior accountant

Recommend

CEO approval

Business Outlook

Pros

Good benefits, salary, and overall environment

Cons

There are times that the workload pile up.

Bread Financial Response

Thank you for writing a review with us! We're happy to see that you've enjoyed your time with us.

1.0

Jul 7, 2026

Great colleagues but leadership is out of touch

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

There are some really great and knowledgeable people to work with and learn from and most...most are cooperative and helpful. I DID have a few wonderful supervisors who really helped me learn and progress

Cons

The previous post couldn't have said it better. Leadership is completely out of touch and does little to help anyone and is there to serve correctives. And once you hit one like that and you don't mesh..they will look for ways to get people out that they seem a threat..bc they ARE helpful.

Bread Financial Response

Thank you for taking the time to leave a review with us. We understand your frustrations and we appreciate you letting us hear about your experience. We'll be sure to relay your feedback with the appropriate leadership as we strive to improve the associate experience for all. We thank you for your 10 years of contribution to the company and wish you all the best in your future endeavors.

Viewing 7 - 9 of 1,729 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Principal Operational Excellence Analyst

Senior Technical Product Owner