Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.2 out of 5, based on over 1,782 reviews left anonymously by employees. This rating has been stable over the past 12 months. 82% of employees would recommend working at Bread Financial to a friend and 81% 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?

82% 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 3.9 for career opportunities.

What are the top reviewed jobs at Bread Financial?

Anonymous (105) , Customer Service Representative (97) , 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 192 reviews)); "Good pay and it was remote" ((in 140 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 106 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 52 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 36 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 31 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 23 reviews)); "Not always forth coming Communication isn’t always clear" ((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

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Bread Financial

Bread Financial reviews

4.2

82% would recommend to a friend

(1,712 total reviews)

Ralph Andretta

91% approve of CEO

81% positive business outlook

Ratings by category

4.4

Diversity & inclusion

4.4

Compensation and benefits

4.3

Culture & values

4.3

Work/Life balance

4.0

Senior management

3.9

Career opportunities

Bread Financial has an employee rating of 4.2 out of 5 stars, based on 1,712 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

3.0

Feb 27, 2023

Financial institute

Training coordinator

Recommend

CEO approval

Business Outlook

Pros

Good flexibility, hybrid model of working,

Cons

No growth, recognition, motivation nor proper career growth streamlined

Bread Financial Response

Hi there, thanks for sharing your feedback on your experience working as a trainer. Teaching and training remotely can be an exhausting role even when it is flexible. We'd encourage you to get connected to The Development Community Teams Channel to get connected with resources for setting some career goals, refilling your tank, and setting a more directed path for yourself. We want you to develop and grow within your role or to other roles in the organization as internal mobility is something we highly value. Let's get you connected with the right resources!

5.0

Feb 27, 2023

I would work here again

Business analyst

Recommend

CEO approval

Business Outlook

Pros

Fulfilling. I looked forward to every day. People were friendly.

Cons

Pay increases were few and far between

Bread Financial Response

Thanks for sharing that you enjoyed going to work every day -- that speaks volumes! We do our annual reviews each year and do our merit increases and bonus payouts on an annual basis with quick turn-around between end-of-year numbers and having those increases show up in your paycheck by February!

5.0

Feb 26, 2023

Professional and productive

Customer service advocate

Recommend

CEO approval

Business Outlook

Pros

The working environment is professional and productive. Room for advancement is there if you prove that you’re able to take on the additional responsibility.

Cons

Receiving a promotion takes time, which is fine by me. I’d rather work for an employer that promotes people on a merit basis rather than handing out promotions to favorites.

Bread Financial Response

You make some valid points here and we appreciate you sharing them! Sometimes it does take time to establish yourself in a new company, make an impact, and find the next stepping stone for your career. We definitely make strategic promotions based on merits rather than favoritism. Thanks for joining the team and sharing your experience with others.

Viewing 1630 - 1632 of 1,712 Reviews

Jobs at Bread Financial

Senior Technical Product Owner

Category Management Lead

Director Fraud Strategy

Senior Category Strategist