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

(441 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

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 6, 2023

it okay

Recovery specialist

Recommend

CEO approval

Business Outlook

Pros

good salary for someone with no degree

Cons

stressful department and constant changes

Bread Financial Response

Thanks for sharing about your experience as a Recovery Specialist! Glad to hear you're happy with the compensation and benefits we offer. We know doing customer support can be a stressful role -- Please make sure you're taking advantage of your Living Well benefits including free therapy, your reward, remote meditation and exercise, and many other benefits you can learn about on the Inview page.

2.0

May 23, 2023

not good

Collections advocate

Recommend

CEO approval

Business Outlook

Pros

flexible schedule, decent pay, holiday 3x pay

Cons

No leadership, no guidance, over staffed, unrealistic expectations on ranking employees each month

Bread Financial Response

You've shared a lot of "Pros" that we're happy to see -- It seems like you enjoy the flexibility of our scheduling, our compensation package, and the "triple-time pay" for working an observed holiday! These are all great things and we're glad to see that you're happy with those aspects. We don't often hear about a lack of leadership or guidance, so we would encourage you to reach out to your leader to discuss how to better connect with Team Leads, Sups, and Tech Support who can be resources to help you when you need additional assistance. We've got these resources, but maybe we're failing to let you know they're available to you -- let's fix that! :)

2.0

May 17, 2023

Micromanage

Bilingual customer service representative

Recommend

CEO approval

Business Outlook

Pros

pay is super good they give a lot of overtime during winter

Cons

they micromanage everything you can't even step out to go to the bathroom without them messaging you already no room to grow

Bread Financial Response

So glad to read that you are very happy with the compensation we offer and the opportunity to work those high-value overtime hours! Regarding your concerns about micromanagement, without more detail, it's hard to assist. Our workforce management team is pretty good at knowing who is available on the phones to handle our customer call volume.... and we need you to be available when you're scheduled. It's not so much about micromanagement as counting on you and your skillset to be there to help our customers - which is a compliment to your skills. If you need additional assistance, please reach out to your People & Culture team for guidance.

Viewing 106 - 108 of 441 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Principal Operational Excellence Analyst

Senior Technical Product Owner