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

Skip to content Skip to footer

Notifications

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

Great culture and collaboration

Sr manager

Recommend

CEO approval

Business Outlook

Pros

Collaborative, work-life balance, caring/inclusive culture, good pay, development programs, open to switching departments

Cons

Working through issues, limited advancement opportunities in certain groups

Bread Financial Response

We appreciate seeing a Senior Manager writing a review here! It is wonderful to see the values we articulate resonate with leadership and associates in the business. We're glad to see that you feel like you're given the resources and opportunities to be your best here. We work hard to create a community in which you feel cared for, understood, supported, and valued.

5.0

Mar 13, 2023

Pleasantly surprised

Customer service representative (csr)

Recommend

CEO approval

Business Outlook

Pros

I was pleasantly surprised by how much I enjoyed this job. I learned that I thrive in customer service, and also that I’m a fast learner.

Cons

I don’t have any grievances.

Bread Financial Response

That's great that you realized that you have an inherent talent for customer service!! Not everyone has the ability or stamina to support and solve customer issues on a daily basis. We all tend to like things at which we are naturally gifted and we're thrilled you discovered that here!

5.0

Mar 13, 2023

You can put down roots here

Anonymous

Recommend

CEO approval

Business Outlook

Pros

Finally, a legit place where I can put down roots and make something of myself.

Cons

Must be extremely detail-oriented so you don’t make mistakes that can cost the clients or the company.

Bread Financial Response

So glad to hear you share that you feel like you can put down roots here. Although we can't tell what sort of work you do, it is genuinely rewarding to know you feel engaged and have a purpose here and that you feel like you can be your authentic self. We're always looking for smart, hardworking talent who is willing to learn and to improve (even through making mistakes). Thanks for sharing your experience!

Viewing 568 - 570 of 1,727 Reviews

Jobs at Bread Financial

Principal Operational Excellence Analyst

Principal - Analytical and Automation Solutions

Senior Staff Enterprise Architect - Agentic AI

Senior Staff Agentic AI Engineer

Director Fraud Strategy