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 fellow employees" ((in 174 reviews)); "Good pay and it was remote" ((in 142 reviews)); "Good and good work life balance" ((in 114 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 107 reviews))

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

"Poor management, and lack of structure." ((in 54 reviews)); "Senior leadership only talks about sunshine and rainbows like they're dellusional." ((in 39 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 13 reviews)); "Finally one day upper management called our group in a room and let everyone go." ((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

4.3

85% would recommend to a friend

(1,726 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

Bread Financial has an employee rating of 4.3 out of 5 stars, based on 1,726 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).

Ratings by demographic groups

Race / Ethnicity

Gender

Sexual orientation

Disability

Parent or family caregiver

Veteran status

Reviews by job title

2K reviews

5.0

Mar 20, 2023

I can finally go on vacation

Associate

Recommend

CEO approval

Business Outlook

Pros

I’ve been able to take my family on vacation for the first time in years, which is nice!! I love their culture and the people I work with are awesome.

Cons

Depending on your position, growth can be limited.

Bread Financial Response

Enjoy your vacation time! We hope you can fully disconnect, enjoy time with your friends/family, and recharge yourself. We realize that our associates can only be their best at work when they're rested and supported. Be sure to check out our new Career Navigator program that launched last week to learn about growth opportunities in front of you!

5.0

Mar 19, 2023

Greatest company

Associate

Recommend

CEO approval

Business Outlook

Pros

The best company culture of all time, caring managers, strong mission and core values, pay is good, balancing work and personal life is a breeze, nice coworkers, fulfilling work

Cons

Do I even need to write anything for this section??

Bread Financial Response

Thank you for your review! We love seeing that our associates are enjoying the culture, benefits, compensation, and work life harmony! Thank you for being a part of the team!

5.0

Mar 19, 2023

Healthy environment

New accounts specialist

Recommend

CEO approval

Business Outlook

Pros

Healthy working environment. Professional. Managers knew what was going on at all times.

Cons

This line of work can wear you down if you’re not careful.

Bread Financial Response

We appreciate your recognition of the healthy work environment we provide here! We do have many highly motivated associates that like to take advantage of all the benefits we offer but we also love to encourage a good work life harmony to ensure balance. Thank you for your review!

Viewing 550 - 552 of 1,726 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Senior Technical Product Owner

Principal Operational Excellence Analyst

Principal - Analytical and Automation Solutions