Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,796 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 2% 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 (107) , 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 always assessing the marketplace" ((in 177 reviews)); "Good pay and it was remote" ((in 144 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 114 reviews)); "Great people and very clean place." ((in 103 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 38 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 24 reviews)); "Not always forth coming Communication isn’t always clear" ((in 12 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

Not for the weak - Customer Service Representative (CSR) Bread Financial Employee Review

2.0

Oct 11, 2022

Customer service representative (csr)

Recommend

CEO approval

Business Outlook

Pros

The pay is okay,nice dollar amount to start

Cons

There seems to be so many system issues and then you are expected to read an article with the new update they have been seeming to take place for months sometimes you can call in to help line but they are not eager to help you they give you more pushback than anything which is very understandable because I can see why they are frustrated as well it’s just not enough time for all the information that they give you and they do give you great information but it’s just trying to read through the information why you got it upset customer on the phone because they’ve been unable to access their account .

Bread Financial Response

We genuinely appreciate you taking the time to share your thoughts on the challenges you're facing right now. Taking the time to read and understand updates to educate yourself is critical to success, especially when it relates to the care you're providing to our customers. We will ensure this gets to departmental leadership so potential solutions can be considered. Thanks again!

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5.0

Jul 8, 2026

Senior category specialist

Recommend

CEO approval

Business Outlook

Pros

Good job stability and healthy work life balance and flexible working arrangements.

Cons

Lower Compensation and annual performance hikes often lag behind.

Bread Financial Response

Thank you for the review. We appreciate your positive comments regarding work life balance and flexibility as we try to make that a priority for our associates and their well-being. We also understand your concerns regarding compensation and will take that feedback to improve the associate experience for all. We thank you for your 3 years of contribution to the organization and wish you the best.

1.0

Jul 7, 2026

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

There are some really great and knowledgeable people to work with and learn from and most...most are cooperative and helpful. I DID have a few wonderful supervisors who really helped me learn and progress

Cons

The previous post couldn't have said it better. Leadership is completely out of touch and does little to help anyone and is there to serve correctives. And once you hit one like that and you don't mesh..they will look for ways to get people out that they seem a threat..bc they ARE helpful.

Bread Financial Response

Thank you for taking the time to leave a review with us. We understand your frustrations and we appreciate you letting us hear about your experience. We'll be sure to relay your feedback with the appropriate leadership as we strive to improve the associate experience for all. We thank you for your 10 years of contribution to the company and wish you all the best in your future endeavors.

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Jobs at Bread Financial

Director Fraud Strategy

Principal Operational Excellence Analyst

Senior Technical Product Owner

Principal - Analytical and Automation Solutions

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Not for the weak - Customer Service Representative (CSR) Bread Financial Employee Review

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