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 fellow employees" ((in 178 reviews)); "Good pay and it was remote" ((in 142 reviews)); "Good and good work life balance" ((in 121 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 113 reviews)); "Great people and very clean place." ((in 102 reviews))

What are the cons of working at Bread Financial according to real employee reviews?

"Poor management, and lack of structure." ((in 50 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 30 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 21 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

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

1.0

Oct 24, 2019

Terminated in unison.

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

It was good for the first three years, the last two not so much. I was one of the 300 employees that got terminated on Wednesday. Roughly 40 people received a mandatory meeting request around 1pm for a 2pm meeting on Wednesday. All of us, one room, terminated in unison. So gutless, faceless, coward move. So many others been there longer than me too. I’m sure more to come. I feel bad for the people still there, working in fear. On to the next one...

Cons

Cash rules. Keep pumping that work off shore.

Bread Financial Response

6y

Alliance Data has made the difficult but necessary decision to eliminate approximately 300 positions across our cards services business. This decision will ensure we are a more appropriately sized and structured organization, as part of our ongoing effort to streamline and simplify our business model. We are grateful to all our associates for their service, and wish them the best moving forward.Alliance Data has made the difficult but necessary decision to eliminate approximately 300 positions across our cards services business. This decision will ensure we are a more appropriately sized and structured organization, as part of our ongoing effort to streamline and simplify our business model. We are grateful to all our associates for their service, and wish them the best moving forward.

1.0

Aug 10, 2019

Avoid this place at all costs

Payment solutions specialist

Recommend

CEO approval

Business Outlook

Pros

Nothing at this place is a pro. I guess the free ice is.

Cons

Everything, avoid this place at all costs. This is not work that a human being should have to endure. You will be calling people whom don't pay their bills and have to explain to grown adults that you get a late fee when you don't pay. You will be yelled at all day by people who racked up tons of CC debt and have to listen to every lame excuse in the book. The ranking system is beyond unbalanced, it's so unbalanced that basically if you take time off you will rank good for one month, but will count against you in the future months... then you're stuck without bonuses for months on end. Meanwhile the top ranking people have cheated their way up there by collecting payments over 12 months when the rule was only set up 3 months of payments. So if you follow the rules, you will get screwed. Then when you're stuck in this situation you will have 3 different managers barking down your neck because you can't catch up, constantly threatening you with firing.

5.0

Feb 21, 2016

Future looks very bright!

Rention collection

Recommend

CEO approval

Business Outlook

Pros

Team environment from top level management down to immediate supervisors, everyone is trained to succeed, employees are challenged to make goals the reward is extra financial compensation above hourly pay, employees are encouraged to overview areas of interest within the company for future hiring positions. Promoting from within happens frequently.

Cons

Upgrading the software programs to interact fluently is an area that's been identified by management. Growing pains sometimes take a toll on continuity but then things level out with time.

Viewing 22 - 24 of 1,711 Reviews

Jobs at Bread Financial

Senior Technical Product Owner

Category Management Lead

Director Fraud Strategy

Global Audit Staff II

Senior Cybersecurity Operations Engineer - AI

Bread Financial

Bread Financial reviews

Ratings by category

Ratings by demographic groups

Reviews by job title

Terminated in unison.

Avoid this place at all costs

Future looks very bright!

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