Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.2 out of 5, based on over 1,787 reviews left anonymously by employees. This rating has increased by 1% over the last 12 months. 83% of employees would recommend working at Bread Financial to a friend and 82% have a positive outlook for the business. The best reviews about Bread Financial have been left by employees working as Anonymous , Associate and Senior Analyst .

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 1% over the last 12 months.

How satisfied are employees working at Bread Financial?

83% of Bread Financial employees would recommend working there to a friend based on Glassdoor reviews . Employees also rated Bread Financial 4.3 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 (106) , Customer Service Representative (99) , Collections Specialist (58) , Associate (30) , Analyst (22) , Collections (22) , Payment Solutions Specialist (22) , Customer Care Representative (21) , Manager (21) , Software Engineer (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 189 reviews)); "Good pay and it was remote" ((in 142 reviews)); "Good and good work life balance" ((in 116 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 111 reviews)); "Great people and very clean place." ((in 104 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 35 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 32 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 24 reviews)); "Changing too fast with too little communication" ((in 14 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 , Irving , Spokane , Ohio , Ohio

Bread Financial reviews

4.2

83% would recommend to a friend

(1,718 total reviews)

Ralph Andretta

91% approve of CEO

82% 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 4.2 out of 5 stars, based on 1,718 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

Mar 14, 2024

Horrible Horrible

Collections specialist

Recommend

CEO approval

Business Outlook

Pros

Great benefits and incentives, holiday pay is crazy ammount

Cons

Fires you for not making enough money, if they do FILE FOR UNEMPLOYMENT DO NOT LET IT GO. Legally they cannot fire you for that so they’ll have to pay you

Bread Financial Response

2y

Thanks for taking the time to leave a review. We're glad you've been enjoying the benefits, incentives and holiday pay here! We know Collections can be challenging and we want our associates to thrive and feel successful. We encourage you to reach out to your PSSP (formerly HR Partner) to go over some of the details for the Cons listed. Thanks for all that you do!

2.0

Dec 12, 2023

Culture beware

Director

Recommend

CEO approval

Business Outlook

Pros

Money. They pay above average.

Cons

The culture is toxic. Meeti ga with no real purpose. Lots and lots of polical games and relationships; growth in career is directly aligned to how much tou can suck up. Very old school style of management. Practically no diversity in senior management.

Bread Financial Response

2y

Glad to hear you are enjoying the compensation! Sorry to hear you feel poorly about the business culture, diversity and management. We offer a lot of education and training for our associates and leaders. We have also been selected as 1 of 349 included on U.S. News & World Report's 2023-2024 Best Companies to Work For.

2.0

Dec 3, 2023

Crappy Culture

Compliance consultant

Recommend

CEO approval

Business Outlook

Pros

Remote, competitive pay, most people fairly nice* *See cons

Cons

My former manager was extremely "nice" when she informed me that I would now be reporting to my (male) colleague with less experience and education than myself (female). She even sent me a birthday gift! /s Back to the main issue though, when I pointed out this discrepancy, I was advised to "help him" learn the ropes of management. I did check my calendar to make sure it was indeed 2023 and NOT 1970. Once that was cleared up, I noped right out of there as I was not particularly interested in taking on that task. Got a pretty significant raise from leaving so everything worked out. Still sucks to have experienced this though.

Bread Financial Response

2y

Sorry to hear about your experience. We appreciate that you enjoyed the compensation as well as the benefit of working remotely! We hope you have found what you're looking for in a career.

Viewing 133 - 135 of 1,718 Reviews

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Bread Financial

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