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 fellow employees" ((in 177 reviews)); "Good pay and it was remote" ((in 146 reviews)); "Good and good work life balance" ((in 120 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 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 39 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 25 reviews)); "Forced into a new role with no training" ((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 Bread Financial locations have received the highest employee ratings?

Draper , Albuquerque , Chadds Ford , Cincinnati , Plano , New York , Milford , Kansas City , Rio Rancho , Dallas

Skip to content Skip to footer

Notifications

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

2.0

Feb 5, 2023

Bread financial

Senior analyst

Recommend

CEO approval

Business Outlook

Pros

work life balance, no work pressure

Cons

no promotion, poor hike, poor management

Bread Financial Response

It looks like you've been with us 1-2 years - so welcome! In the first 1-2 years , many of our associates are still learning the business and getting comfortable with aspects of their new role, so promotion within that first year may be an unrealistic expectation. We're glad to hear you're happy with the work-life harmony in your new role. We do conduct Annual Reviews (and mid-year check-ins) with merit increases and incentive payout. This just happened in January for the 2022 business year. We make decisions for salary increase and bonus on the basis of the individual's performance and overall company results, which allows us to compensate our associates based on their merit and contributions! One size does not fit all.

5.0

Feb 3, 2023

Credit Disputes Representative

Process associate

Recommend

CEO approval

Business Outlook

Pros

Best to interact and share opinions

Cons

Lack of Hike and opportunity

Bread Financial Response

Thanks for your feedback on your experience as a Credit Disputes Rep. We're glad to see you encourage interaction and encourage other associates to share opinions. We frequently seek your feedback and use it to improve both the associate experience and our company. We think associates will find that we communicate often and transparently to keep everyone informed.

5.0

Feb 2, 2023

Very good workplace

Aml analyst

Recommend

CEO approval

Business Outlook

Pros

I like to work with Bread Financial. It's a employee friendly environment. The vulture is really good.

Cons

They just want us to be prompt alwayas. There's no such con has seen.

Bread Financial Response

We think you mean "culture" instead of "vulture" -- such contrasting words that sound similar! :) We do appreciate our associates managing their schedules, commitments, and responsibilities. We also encourage them to manage their needs for paid time off -- we give them the flexibility to take the time they need to recharge and refocus so they can return to work refreshed. Thanks for sharing your experience here!

Viewing 1642 - 1644 of 1,712 Reviews

Jobs at Bread Financial

Senior Technical Product Owner

Category Management Lead

Director Fraud Strategy

Global Audit Staff II