Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,790 reviews left anonymously by employees. This rating has increased by 3% over the last 12 months. 84% 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?

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, 4.4 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 180 reviews)); "Good pay and it was remote" ((in 137 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 113 reviews)); "Great people and very clean place." ((in 100 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 25 reviews)); "Finally one day upper management called our group in a room and let everyone go." ((in 13 reviews)); "Changing too fast with too little communication" ((in 13 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

4.3

84% would recommend to a friend

(1,720 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

Bread Financial has an employee rating of 4.3 out of 5 stars, based on 1,720 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

Oct 22, 2017

Great Place To Work

Payment solutions specialist

Recommend

CEO approval

Business Outlook

Pros

Good pay with large bonuses available, you can set your own schedule within guidelines, work from home options in some departments, 76 hours of paid time off every 6 months, decent medical/dental/vision/life insurance options, employer matched 401k, discounted stock purchases, backup child care, tuition reimbursement, gym membership reimbursement, paid Weight Wachers meetings. Most importantly, they treat you like a person and not a number. Senior leadership (CEO, VPs etc) actually take time to visit and speak to frontline employees on a regular basis.

Cons

Limited advancement options at some locations - locations in select cities have multiple advancement options while other locations have only a handful of career paths available unless you are willing to relocate.

3.0

Oct 18, 2017

Decent

Customer service representative

Recommend

CEO approval

Business Outlook

Pros

Good environment , people are very friendly, easy job.

Cons

Whenever medical stuff pops up it's hard if you need to take days off or if you're sick. Not a lot of room to grow.

3.0

Oct 13, 2017

Credit Risk Analyst

Credit risk analyst

Recommend

CEO approval

Business Outlook

Pros

Open culture. People are generally pretty willing to work with one another. Training program for people fresh out of college. This helps create a large talent pipeline. Visibility to SLT. Generally, very associate oriented. For a Financial Institution they treat their workers pretty well.

Cons

Biggest Problems in Credit Risk: An outdated stack ranking system that highly prioritized engagement and enthusiasm over analytical rigor. The rest of the company seems to have realized these rankings don't optimize collaboration. Outdated work from home policies for the industry. The butt in seat mentality is the one thing that really undermines their focus on work/life balance. With notable exceptions, some managers did not do much to actually find work for their employees to do. Proactive planning for projects was not the norm. Too much putting out fires, not enough planning. Pay is generally lower than the industry average. All of SLT has been at the company their entire professional lives. This leads to a stronger preference for the status quo than some other places. There is also a noted preference for people who have been with the company for 10+ years, even if a number of those folks have weaker analytical skills than their newer counterparts. You'll probably learn more about credit risk about a major issuer.

Viewing 1351 - 1353 of 1,720 Reviews

Jobs at Bread Financial

Security Officer - 2nd Shift

Senior Cybersecurity Operations Engineer - AI

Global Audit Staff II

Artificial Intelligence (AI) Operations Manager

Bread Financial

Bread Financial reviews

Ratings by category

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Reviews by job title

Great Place To Work

Decent

Credit Risk Analyst

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