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 (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 178 reviews)); "Good pay and it was remote" ((in 136 reviews)); "Good and good work life balance" ((in 123 reviews)); "The culture is great as we help our community and the company helps those across the nation when tragedy strikes." ((in 115 reviews)); "Great people and very clean place." ((in 104 reviews))

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

"Poor management, and lack of structure." ((in 51 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 25 reviews)); "Changing too fast with too little communication" ((in 16 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

85% would recommend to a friend

(1,725 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 1,725 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

5.0

Jun 9, 2023

Good 4 years

Anonymous employee

Recommend

CEO approval

Business Outlook

Pros

It was a good four years and I have no regrets.

Cons

Like I said, no regrets.

Bread Financial Response

3y

Wow thanks for sharing this short and sweet review!! We appreciate your continued contributions during your four years of tenure with Bread Financial. We're glad to hear you feel like we're on the right track and that you enjoy working here! Cheers!

3.0

Jun 9, 2023

Poor architecture and strategic decisions

Senior software engineer

Recommend

CEO approval

Business Outlook

Pros

- great co-workers in the engineering department - NYC office is great

Cons

- release process is overly bureaucratic, even by fintech standards - since ADS took over, everything takes much longer to complete

Bread Financial Response

3y

We can appreciate that it was difficult for you to transition from the speed of "start-up culture" and adjust to working for a larger banking organization, with responsibilities to multiple financial regulatory agencies. Since ADS purchased the start-up, there has definitely been an adjustment period for some of our associates. We remain glad you enjoyed your teammates and the office space, even though the ownership change was not a fit for you. Wishing you the best of luck!

4.0

Jun 8, 2023

Good

Bsa/aml analyst

Recommend

CEO approval

Business Outlook

Pros

Salary Environment Benefits Friendly management Wfo/wfh Transportation

Cons

Work life balance Environment Management Co workers Food

Bread Financial Response

3y

We appreciate your short and sweet review! Thanks for sharing that you enjoyed our friendly and collaborative culture in which we value our associates and their contributions!

Viewing 451 - 453 of 1,725 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

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Good 4 years

Poor architecture and strategic decisions

Good

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