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 category

4.5

Diversity & inclusion

4.4

Compensation and benefits

4.3

Culture & values

4.3

Work/Life balance

4.0

Senior management

4.0

Career opportunities

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).

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

2K reviews

1.0

Aug 26, 2022

work

Customer service advocate

Recommend

CEO approval

Business Outlook

Pros

good pay, fun co-workers, clean work place

Cons

they want you to play mental health therapist, out dated systems, they say the want you to do grow and develop. they have time for it. when you ask to due it they say we are to busy to take the time. Management change about every 6mths or so. They tell us to due 15.00 credit for late fees but if customer push back give the full late fee. if you give to many full late fee you can be put on a wright up. If a customer becomes verbal abuse you have to take it. You can't end the call or stand up for yourself. You are told to take or pass up the the sup line. you could be on hold for at line for more then 30mins. Then you can get on a wright up for using the sup line to much

Bread Financial Response

3y

Thank you for your feedback . Our Associates make us who we are and we would never expect them to take any type of verbal abuse from anyone. We are consistently training our Associates on how to handle any type of negative interaction with a customer and have a step-by-step process of what they can do to remove themselves from a situation. We encourage you to talk to your leader and/or HR representative to ensure you are supported in your role. We take your concerns seriously and will pass it along to the appropriate team.

2.0

May 10, 2022

They "talk the talk" but do not "walk the walk"

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

There are some great people that work there and they have some cool products

Cons

They say they want to be a more forward-thinking fintech company, but they are not invested in building out the engineering function or innovating with new technology. Feels very old school and inauthentic. A lot of outdated technology. Very poor leadership overall - they do not take accountability or responsibility for their actions but rather lots of finger pointing and blaming, even in very public settings like a company townhall. Not a lot of transparency and overall poor communication. Lack of empathy for their people.

Bread Financial Response

4y

We are actively improving and strengthening our technology services to meet our associates' needs since over 70% of our workforce is fully remote. To stay connected, we recently completed a rollout of webcams to everyone in the company to encourage engagement. We are excited for what the future holds for Bread Financial and we wish you the best of luck in your future endeavors.

3.0

Mar 8, 2022

Corporate companies sigh

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Benefits are good and there is plenty!

Cons

You will be NOTHING more then your employee ID— you as a PERSON will not matter. It’s cut throat. Tenure does not matter — you’re easily replaceable and talent retention is NOT their thing!

Bread Financial Response

3y

We're glad to hear that you enjoyed working for us for 20 years -- very impressive tenure! With Ralph Andretta at the helm as CEO, we very much care about the voice of our associates. We frequently seek the feedback of associates and use it to improve both the associate experience and our company. We think associates will now find that we communicate often and transparently to keep people informed. Each member of our team plays a crucial role in the operation and success of our company.

Viewing 142 - 144 of 1,718 Reviews

Jobs at Bread Financial

Security Officer - 2nd Shift

Senior Staff Enterprise Architect - Agentic AI

Artificial Intelligence (AI) Operations Manager

Senior Technical Product Owner

Bread Financial

Bread Financial reviews

Ratings by category

Ratings by demographic groups

Reviews by job title

work

They "talk the talk" but do not "walk the walk"

Corporate companies sigh

Jobs at Bread Financial