Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.2 out of 5, based on over 1,799 reviews left anonymously by employees. This rating has increased by 1% over the last 12 months. 84% of employees would recommend working at Bread Financial to a friend and 83% 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, 4.3 for culture and values and 4.0 for career opportunities.

What are the top reviewed jobs at Bread Financial?

Anonymous (107) , Customer Service Representative (98) , Collections Specialist (59) , 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?

"Benefits are good and there is plenty!" ((in 180 reviews)); "Good pay and it was remote" ((in 139 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 110 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 56 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 37 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 23 reviews)); "Changing too fast with too little communication" ((in 15 reviews)); "Finally one day upper management called our group in a room and let everyone go." ((in 11 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 , Frisco , Irving , Spokane , Ohio

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Bread Financial

Bread Financial reviews

4.2

84% would recommend to a friend

(441 total reviews)

Ralph Andretta

90% approve of CEO

83% positive business outlook

Ratings by category

4.5

Diversity & inclusion

4.4

Work/Life balance

4.4

Compensation and benefits

4.3

Culture & values

4.0

Senior management

4.0

Career opportunities

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

441 reviews

Reviews about "Compensation"

Return to all reviews

4.0

Aug 27, 2022

Above average compared to the competition.

Supervisor

Recommend

CEO approval

Business Outlook

Pros

Work from home and schedule flexibility

Cons

No bonus structure for Supervisors

Bread Financial Response

Our Associates are the foundation of our success, so we are thrilled to hear your positive feedback. Thank you for taking the time to provide a review! We agree that work-life balance is a great perk for many Associates!

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

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.

5.0

Aug 14, 2022

Great pay, benefits, and incentives

Debt collector

Recommend

CEO approval

Business Outlook

Pros

Pay, benefits, incentives, equipment provided,

Cons

Management can take forever to answer important questions during training while on the phone with account holders

Bread Financial Response

Our associates are the foundation of our success, so we are thrilled to hear your positive feedback. Thank you for taking the time to provide a review!

Viewing 166 - 168 of 441 Reviews

Jobs at Bread Financial

Principal Operational Excellence Analyst

Lead AI Compliance Testing

Director Fraud Strategy

VP Cloud Platform Engineering