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      Bread Financial

      Engaged Employer

      Bread Financial reviews

      4.1

      80% would recommend to a friend

      (1,706 total reviews)
      avatar

      Ralph Andretta

      90% approve of CEO

      80% positive business outlook

      Ratings by category

      4.4

      Diversity & inclusion

      4.3

      Culture & values

      4.3

      Work/Life balance

      4.3

      Compensation and benefits

      3.9

      Senior management

      3.9

      Career opportunities

      Bread Financial has an employee rating of 4.1 out of 5 stars, based on 1,706 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

      Reviews by job title

      2K reviews
      5.0
      Apr 25, 2026

      If I didn't have bills, I'd work for free

      Customer care specialist
      Recommend
      CEO approval
      Business Outlook

      Pros

      The company invests in me, and I aim to provide a solid return for their support in my services

      Cons

      The physical location is far from my home. Too far of a drive. I love everything about this place, Ralph and his team of leaders are honestly trailblazer.

      avatar
      Bread Financial Response
      1mo
      Thank you for the glowing review! We're so happy to hear that you've enjoyed your experience working with us, as we are grateful to you for your committed diligence.
      1.0
      Aug 24, 2021

      Great people, horrible post-acquisition policy changes

      Anonymous employee
      Recommend
      CEO approval
      Business Outlook

      Pros

      - Interesting product/market - Lots of transformative initiatives in progress

      Cons

      - The new parent company is in the process of gutting Bread's benefits package and culture (no more unlimited PTO, no more paid healthcare + horrible policy options, replaced learning/self-development stipend with tuition-only reimbursement policy, no more reimbursable Friday lunches, the list goes on...) - Due to ongoing changes, coworkers are outspokenly defeatist and disgruntled at work. - Product features that promote synergies with the new parent company have upended our roadmaps and slowed our pace.

      avatar
      Bread Financial Response
      4y
      Thank you for taking the time to share your feedback. There have been a lot of changes and we are still working through some things. As a result of the acquisition with Alliance Data, we now have access to a larger network of benefits and coverage including 401K, life insurance, Employee Stock Purchasing Plan (ESPP), and more, all focused on the long-term financial wealth and stability of our employees. Change is hard, and we hear you. Please reach out to our People team if we can help you in any way.
      5.0
      Mar 24, 2022

      Amazing Culture that Keeps Impressing

      Individual contributor
      Recommend
      CEO approval
      Business Outlook

      Pros

      I've been in a professional working environment for 10 years and this is the first employer who really "sees me." The company helps me achieve what's important to me, counts on me to provide my expertise, both listens and makes me feel heard, includes me in company strategy, and cares enough to recognize successes (big and small) along the way. This sound a little weird... but I'm often shocked at how kind and approachable my colleagues are here, across all teams. Time and distance don't seem to matter -- everyone here is ready to hop on an MS Teams call to talk, explain, or show you how to do something. I'm very grateful to find a place where I feel I can be the professional I've been preparing to be for 10 years. I have arrived!!

      Cons

      My only con to share would be that there are some opportunities in the delivery of IT Hardware and equipment. I needed some extra support in setting everything up and the Help Desk came through... a little extra directions could have been helpful. The Help Desk team has been great about getting me everything I need -- from a conference call "puck", a fancy webcam, dual monitors, etc.

      avatar
      Bread Financial Response
      4y
      Aww we're blushing - thanks for the candid review of your experience since joining Bread Financial! Our people are our greatest asset so we are thrilled you're feeling like it is a mutual fit here!
      Viewing 1 - 3 of 1,706 Reviews
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      ReviewsBread Financial reviews

      Glassdoor has 1,775 Bread Financial reviews submitted anonymously by Bread Financial employees. Read employee reviews and ratings on Glassdoor to decide if Bread Financial is right for you.