Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,794 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 fellow employees" ((in 168 reviews)); "Good pay and it was remote" ((in 143 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 109 reviews)); "Great people and very clean place." ((in 106 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 39 reviews)); "Some employees try to act like managers and are not even professional acting to even do that." ((in 32 reviews)); "Things that I (and other employees at my level) were seeing would go unnoticed by immediate supervisors and/or managers." ((in 23 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 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

Bread Financial reviews

4.3

84% would recommend to a friend

(1,724 total reviews)

Ralph Andretta

92% approve of CEO

84% positive business outlook

Company ratings over time

Ratings trend for the last 6 months (1,724 reviews)

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 1,724 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

Aug 6, 2023

Not great, not horrible

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

The company has a fairly laidback work-life balance and places generally reasonable expectations on the tech/product team.

Cons

That said, it is not a product-driven company and operates bureaucratically (more like a bank; see leadership's ex-positions) than a tech company.

Bread Financial Response

2y

Thanks for the time you took to share your experience - that's GREAT to see that you enjoyed our work-life balance and that you enjoyed your work with us! We're certainly a company in transition -- we have been in business 25+ years and we acquired a tech start-up a few years ago to help us become a FinTech company. We're always looking forward to what's next!

5.0

Aug 5, 2023

Great Place to Work!

Sales

Recommend

CEO approval

Business Outlook

Pros

Great work-life balance and decent pay

Cons

No free lunch and limited swag

Bread Financial Response

2y

Thanks for your amazing review!! Although it's true that we don't offer free lunch (as many of our associates work remotely), we are so glad to hear you care so much about work-life balance and feel you are well-compensated for your work. We appreciate your contributions!

1.0

Aug 4, 2023

Consider Other Opportunities

Specialist

Recommend

CEO approval

Business Outlook

Pros

Good benefits and competitive salary.

Cons

Mostly a toxic work environment that depends on the area. Lack of Supportive Management, many of those in leadership are unqualified for their position. Unrealistic workloads and expectations with the lack of resources to complete assignments. Very unclear communication that makes working on projects difficult and frustrating. Many of the departments are not on the same page with a lack of clearly defined responsibilities. High turnover, most of employees that have skills do not stay for very long.

Bread Financial Response

2y

Thanks for sharing that you feel we offer an excellent benefit and compensation package! We're sorry to hear about your experience with leadership and communication. We hope you find a better cultural fit with your next career opportunity.

Viewing 424 - 426 of 1,724 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Lead AI Compliance Testing

Senior Technical Product Owner

Artificial Intelligence (AI) Operations Manager

Senior Cybersecurity Operations Engineer - AI

Bread Financial

Bread Financial reviews

Company ratings over time

Ratings by demographic groups

Reviews by job title

Not great, not horrible

Great Place to Work!

Consider Other Opportunities

Jobs at Bread Financial

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