Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,795 reviews left anonymously by employees. This rating has increased by 3% over the last 12 months. 85% of employees would recommend working at Bread Financial to a friend and 84% 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 3% over the last 12 months.

How satisfied are employees working at Bread Financial?

85% 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, 4.4 for culture and values and 4.0 for career opportunities.

What are the top reviewed jobs at Bread Financial?

Anonymous (106) , Customer Service Representative (98) , 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 187 reviews)); "Good pay and it was remote" ((in 140 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 114 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 53 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)); "Changing too fast with too little communication" ((in 15 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

4.3

85% would recommend to a friend

(440 total reviews)

Ralph Andretta

92% approve of CEO

84% positive business outlook

Ratings by category

4.5

Diversity & inclusion

4.4

Culture & values

4.4

Work/Life balance

4.4

Compensation and benefits

4.1

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

440 reviews

Reviews about "Compensation"

Return to all reviews

4.0

Feb 6, 2025

Decent. but going downhill drastically as far as incentive pay goes

Payment specialist

Recommend

CEO approval

Business Outlook

Pros

used to be able to make schedule however i wanted but that also went downhill. it changed for the worst drastically within the past 2 years

Cons

going downhill drastically as far as incentive pay goes

Bread Financial Response

We encourage you to engage with your People Partner to further address your concerns and possible options to meet your expectations. Not all roles have flexible schedules and incentive opportunities, however, there are many that do have these benefits. Thanks for all that you do!

4.0

Jan 13, 2025

Number, number, and more numbers- Oh My!

Customer service associate

Recommend

CEO approval

Business Outlook

Pros

The Customer Service representees were top notch professionals. Wonderful work life balance that is important if you have a family. Pay was higher than most jobs in the industry here. Level up - Gamefication was the answer to motivating and training employees.

Cons

This company uses numbers to rate all employees. I was there a decade and was never able to advance because of their number system. I felt like I was treated like a child that was never fully trusted. I hope that this company uses Gamification with Level up. The Level Up platform is under used at Bread Financial. This program has the ablitiy to made learning and training fun. I wish this company would use this program to train for leadership. Have Linked in trainings and give incentives to go into management. Level Up could also be used to motivate employees positively. Bread Financial sees Level Up as a same platform- Level up could train and evaluate your employees. Sadly, this company Likes numerical results- and will automate in the future. PLEASE, Level Up and Bread would be industry Leaders!

Bread Financial Response

We appreciate the opportunity to address your feedback. We take your concerns seriously and will also pass along these details to the appropriate audiences.

4.0

Jan 6, 2025

Bread

Customer service representative (csr)

Recommend

CEO approval

Business Outlook

Pros

Great pay and benefits. The people I worked with were amazing. It was very nice to work at home.

Cons

Too many numbers to hit. I never got anywhere because I could not hit one number in call quality.

Bread Financial Response

We can appreciate that metrics can be challenging and require effort, and we know our associates can achieve them as they are set by them. We appreciate your feedback!

Viewing 25 - 27 of 440 Reviews

Jobs at Bread Financial

Lead - Analytical and Automation Solutions

Principal - Analytical and Automation Solutions

Site Reliability Engineering Senior Manager

Senior Staff Agentic AI Engineer

Principal Operational Excellence Analyst