Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.1 out of 5, based on over 1,781 reviews left anonymously by employees. This rating has been stable over the past 12 months. 80% of employees would recommend working at Bread Financial to a friend and 80% 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 4.3 out of 5. Find out more about salaries and benefits at Bread Financial. This rating has been stable over the past 12 months.

How satisfied are employees working at Bread Financial?

80% 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 186 reviews)); "Good pay and it was remote" ((in 136 reviews)); "Good and good work life balance" ((in 118 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 105 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 55 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 31 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 25 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 Bread Financial locations have received the highest employee ratings?

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

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Bread Financial

Bread Financial reviews

4.1

80% would recommend to a friend

(1,711 total reviews)

Ralph Andretta

90% approve of CEO

80% positive business outlook

Ratings by category

4.4

Diversity & inclusion

4.3

Culture & values

4.3

Work/Life balance

4.3

Compensation and benefits

3.9

Senior management

3.9

Career opportunities

Bread Financial has an employee rating of 4.1 out of 5 stars, based on 1,711 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

4.0

Aug 1, 2009

Great place to start a career

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Work/life balance is generally respected here. Management doesn't frown on PTO or sick time. I've never seen a PTO request denied as long as I have been employed here. Management is very receptive to new ideas and unique insight. They value each associate's strengths and encourage creative thinking during problem solving activities. This is a very "nice" culture. People are typically friendly. Senior management makes an effort to know the names and faces of their worker bees.

Cons

It seems very political in the office these days. Not sure if this is in response to the terrible economic climate we are facing or just the result of the new leadership appointments. Also, the saying, "Perception is Reality" is unfortunately very true here.

5.0

Jun 30, 2009

Great Place to Work

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

Great Work/Life Balance, Reasonable Benefits, Paid Time Off, Acknowledgement of Employees that do a job well done, growth and development opportunities, Tuition Reimbursement

Cons

Depending on location, may have to work weekends.

5.0

Jul 19, 2008

Alliance Data Systems is a great place to work.

Vice president

Recommend

CEO approval

Business Outlook

Pros

Good culture. Strong executive team. Highly ethical. Very focused on associate satisfaction.

Cons

A recent attempt to take the company private fell through and derailed the company for a few months. Now we have to put that behind us, refocus and continue to out perform our financials - which hopefully will convince Wall Street that we remain a VERY strong and well run company with a VERY bright future.

Viewing 1708 - 1710 of 1,711 Reviews

Jobs at Bread Financial

Senior Technical Product Owner

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