Is Bread Financial a good company to work for?

Bread Financial has an overall rating of 4.3 out of 5, based on over 1,797 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

(1,727 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 1,727 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 14, 2023

Would recommend to anyone thinking of applying

Anonymous

Recommend

CEO approval

Business Outlook

Pros

Very good place to be… can’t think of any reasons not to work there unless you’re allergic to work.

Cons

WLB hasn’t been all that great.

Bread Financial Response

We appreciate the recommendation and your time with us so far! It's unfortunate to hear you fell the work life balance has not met your expectations. We encourage you to use the resource available in Living Well -- on-demand meditation, exercise classes, monthly wellness goals, or your Spring Health mental wellness benefit.

5.0

Mar 14, 2023

Positive experience

Customer service specialist

Recommend

CEO approval

Business Outlook

Pros

Fun, unique, and challenging work experience

Cons

Work gets a tad repetitive after a while.

Bread Financial Response

Thank you for your short, sweet review! We challenge our associates to be the best in every way! We respect your voice and recognize your contributions! Thank you for the years you were with us!

5.0

Mar 14, 2023

Dynamic

Collections specialist

Recommend

CEO approval

Business Outlook

Pros

Dynamic work environment, experienced senior-level employees who are willing to provide mentorship.

Cons

The customers. That’s it. Most people would probably say the same.

Bread Financial Response

This is great to see a review from a Collections Specialist who shares that leadership is supportive and provides mentorship for growth opportunities. We're glad to see you're enjoying the environment and culture. Yes, we know working in customer service can be a challenge and we are so appreciative of our staff who bring their skills and patience for service to our business. We couldn't do what we do without you!

Viewing 565 - 567 of 1,727 Reviews

Jobs at Bread Financial

Director Fraud Strategy

Senior Technical Product Owner

Principal Operational Excellence Analyst

Principal - Analytical and Automation Solutions