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 3% 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 (99) , 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 always assessing the marketplace" ((in 188 reviews)); "Good pay and it was remote" ((in 141 reviews)); "Good and good work life balance" ((in 126 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 113 reviews)); "Great people and very clean place." ((in 96 reviews))

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

"Poor management, and lack of structure." ((in 53 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 38 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 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

Bread Financial reviews

4.3

85% would recommend to a friend

(1,725 total reviews)

Ralph Andretta

92% approve of CEO

84% positive business outlook

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Bread Financial has an employee rating of 4.3 out of 5 stars, based on 1,725 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).

Reviews by job title

2K reviews

1.0

Oct 28, 2019

Alliance Data company review

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Gave the impression of wanting to improve internal talent, which was also a lie, underpaid employees in key areas such as Information Security and Application development.

Cons

With no warning whatsoever, upper management laid off over 300 people with no explanation given. Their goal is to expand their foreign office so they can just outsource anyone in the States who works for them. Management gives no direction or feedback about what team members should be doing. Stock has gone consistently down since the new CEO took over, as well as underpaying people in critical areas. If you want somewhere that values work you do and won't dump you office for the sake of the bottom line at the first opportunity, then work elsewhere.

Bread Financial Response

6y

Thanks for taking the time to leave us a review. Alliance Data recently made the difficult but necessary decision to eliminate approximately 300 positions across our cards services business. This decision will ensure we are a more appropriately sized and structured organization, as part of our ongoing effort to streamline and simplify our business model.

5.0

Oct 27, 2019

VP

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Interesting Work and supportive leadership

Cons

Could have a stronger long term strategy

Bread Financial Response

6y

Thank you for taking the time to leave us a review.

1.0

Oct 26, 2019

I don’t recommend working here

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

My coworkers were good people.

Cons

I was there for 5years. It used to be a good place to work and I was even proud to work there before but this last year or so took a turn. The senior leadership team is extremely untrustworthy and do not value the employees. The morale of the company is negative all around. They will do whatever possible to save money, which means not backfilling positions and giving extra work to others and sending jobs to India. I no longer believe their message of “driven to grow” and “giving back to the community where they live and work”. It feels like a facade. It’s very sad what the company has become.

Bread Financial Response

6y

Thank you for taking the time to provide a review. We value your opinion and will take this feedback into consideration as we continue to evolve and grow.

Viewing 1147 - 1149 of 1,725 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Senior Technical Product Owner

Senior Cybersecurity Operations Engineer - AI

Principal Operational Excellence Analyst

Staff Technology & Cyber Governance - AI Governance

Bread Financial

Bread Financial reviews

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Alliance Data company review

VP

I don’t recommend working here

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