Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,792 reviews left anonymously by employees. This rating has increased by 3% over the last 12 months. 84% 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?

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

What are the top reviewed jobs at Bread Financial?

Anonymous (106) , Customer Service Representative (99) , 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 185 reviews)); "Good pay and it was remote" ((in 139 reviews)); "Good and good work life balance" ((in 113 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 101 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 38 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 33 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 25 reviews)); "Changing too fast with too little communication" ((in 13 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 , Irving , Spokane , Ohio , Ohio

Bread Financial reviews

4.3

84% would recommend to a friend

(1,722 total reviews)

Ralph Andretta

92% approve of CEO

84% positive business outlook

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Bread Financial has an employee rating of 4.3 out of 5 stars, based on 1,722 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).

Reviews by job title

2K reviews

3.0

Oct 9, 2023

Decent Company to work for

Payment solutions associate

Recommend

CEO approval

Business Outlook

Pros

Lots of associate benefits and decent pay

Cons

Not always forth coming Communication isn’t always clear

Bread Financial Response

2y

Thank you for your review and time with us so far, 2+ years is awesome to see! We do like to frequently seek our associate feedback and use it to improves the associate experience and the business. We do communicate often and through many avenues like In the Know, Inview and many other meeting opportunities. We love to encourage questions in all meetings and all questions can be submitted anonymously if you would rather not use your name.

3.0

Oct 6, 2023

Review

Director

Recommend

CEO approval

Business Outlook

Pros

Flexible, good benefits, team building

Cons

Career advancement is difficult and raises are minimal.

Bread Financial Response

2y

Thank you for your feedback as a prior associate! Not sure how long ago you were with us but career mobility is a major focus of the business and its' associates. Our associates are Empowered to Thrive with many opportunities to develop current skills and even grow into roles that allow for new skills to be learned! We offer many tools and resources as well as internal programs that the primary focus is the growth of the associates.

4.0

Sep 27, 2023

Rewarding work for an entrepreneur mindset

Erm

Recommend

CEO approval

Business Outlook

Pros

Skilled co-workers and management, work-life balance, aligned sr. management

Cons

Lack of clear career progression, finding paths to next is often left to each individual, year over year expense increases for benefits

Bread Financial Response

2y

We're surprised to hear you mention career pathing as we offer several programs to help you grow in your current role, move into different roles, and learn new skills with job training! We appreciate your feedback as well as the time you spent with us!

Viewing 397 - 399 of 1,722 Reviews

Jobs at Bread Financial

Senior Cybersecurity Operations Engineer - AI

Global Audit Staff II

Artificial Intelligence (AI) Operations Manager

Director Fraud Strategy

Senior Technical Product Owner

Bread Financial

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Decent Company to work for

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Rewarding work for an entrepreneur mindset

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