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 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 (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 179 reviews)); "Good pay and it was remote" ((in 146 reviews)); "Good and good work life balance" ((in 117 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 112 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 52 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 39 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 34 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 26 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

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Bread Financial

Bread Financial reviews

4.3

85% would recommend to a friend

(441 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

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

441 reviews

Reviews about "Compensation"

Return to all reviews

3.0

Jun 21, 2023

it's okay

Customer service representative

Recommend

CEO approval

Business Outlook

Pros

great pay reg time and triple pay for holidays

Cons

no down time and not a lot of pto is given

Bread Financial Response

We're glad to hear you are appreciate the competitive compensation package we offer! We give our associates the opportunity to work from the comfort of home and get a bi-weekly stipend to pay for their home internet and other home office expenses. We offer flexibility with your schedule so you can select shifts to make work fit into your real-life schedule! We think we offer a generous tenure-tiered PTO plan, paid sick leave, 11 days of holiday pay, and bereavement leave (up to 7 days). Thanks for your advice to ensure everyone has the resources they need -- we couldn't agree more!

4.0

Jun 19, 2023

Bread Financial

Security specialist

Recommend

CEO approval

Business Outlook

Pros

People, benefits, decent pay depending on department.

Cons

Not much employee development opportunities, that help you get into other departments.

Bread Financial Response

Thanks for sharing your review of your experience working at Bread Financial! It's great to hear that you feel well-rewarded with great compensation and benefits and that you enjoy the people you work with!! We agree that we have incredible associates who are smart, hardworking, and willing to learn and improve. They're flexible and adaptive in a fast-paced, ever-changing environment. If you're interested in development and growth, be sure to check out the new Career Navigator platform on Inview to learn about what opportunities could help you to thrive on your career path.

2.0

Jun 7, 2023

Discombobulated

Deposit fraud specialist ii

Recommend

CEO approval

Business Outlook

Pros

Good pay and benefits, not much else.

Cons

No clue at all what they were doing. They changed the name of the company 3 times while I was there. No guidance, moved between managers

Bread Financial Response

Discombobulated -- nice vocabulary word... but disappointing that this is how you feel. We've only be Alliance Data Systems (NYSE: ADS) for 25+ years... then rebranded in April 2022 to become Bread Financial (NYSE: BFH). We're sorry to hear you didn't have an enjoyable experience working here, but it is promising that you felt like you were well-compensated and enjoyed great benefits. Wishing you the best of luck!!

Viewing 103 - 105 of 441 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Senior Technical Product Owner

Principal Operational Excellence Analyst

Principal - Analytical and Automation Solutions