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Bread Financial

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Bread Financial

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Bread Financial Reviews

Updated Jun 8, 2023

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Found 1,309 of over 1K reviews
4.4
86% Recommend to a Friend
Bread Financial President and CEO Ralph Andretta
95% Approve of CEO

Found 1,311 of over 1K reviews

4.4
86%
Recommend to a Friend
95%
Approve of CEO
Bread Financial President and CEO Ralph Andretta
Ralph Andretta
424 Ratings

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Commercial Customer Service Representative

What’s the best way to have a lack of compensation and incentive conversation in your department? I went above and beyond for years doing extra work, organizations etc and nothing has been reflected in pay. I thought my 5 year was going to finally show something but it did not. I’ve inquired about pay but it’s gotten nowhere.

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Top Review Highlights by Sentiment

Pros
  • "Great Benefits and fellow employees(in 121 reviews)
  • "The pay is good the bs is consistant.Just be on your p's & q's .(in 101 reviews)
  • "Good Work life Balance and Salary.(in 80 reviews)
  • "Great people and very clean place.(in 79 reviews)
  • "The culture is great as we help our community and the company helps those across the nation when tragedy strikes.(in 54 reviews)
Cons
Pros & Cons are excerpts from user reviews. They are not authored by Glassdoor.

Ratings by Demographics

This rating reflects the overall rating of Bread Financial and is not affected by filters.

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  1. 5.0
    Current Employee, more than 1 year
    Featured Review

    Great place to work!

    Jan 27, 2023 - Associate 
    Recommend
    CEO Approval
    Business Outlook

    Pros

    There are so many great things about working for Bread Financial, but number one is definitely the amount of opportunities we have for growth. We have open positions accessible to us at the click of a button and are encouraged to create a development plan to get us wherever we want to grow within the company. Our benefits are amazing. Bread Financial feels like a family, not a job. The compensation is wonderful and we get all of this while working from home. You can't beat it.

    Cons

    I haven't experienced anything I would consider a "con". There are hard days, just like any other job, but the support you get from your supervisors and your peers combats that.

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    Bread Financial Response

    Thank you for this summary of your experience working at Bread Financial! We put a TON of energy and attention on the development of our associates and educate them on the opportunities they have here. This is way more than a job... it's a career where you can grow and thrive!

  2. 5.0
    Current Employee, more than 3 years

    Experience

    Jun 7, 2023 - Anonymous/Employee in Bluffton, SC
    Recommend
    CEO Approval
    Business Outlook

    Pros

    Worth it for the experience…

    Cons

    Not a long-term kind of place…

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  3. Join the Bread Financial team
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  4. 1.0
    Current Employee, more than 1 year

    Metrics failure

    May 27, 2023 - Payment Solutions Specialist in Salt Lake City, UT
    Recommend
    CEO Approval
    Business Outlook

    Pros

    Build your own schedule benefits PTO and PSL time

    Cons

    Metrics Management Fairness Job security

    Continue reading
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    Bread Financial Response

    Yikes, we are sorry to hear that you don't like the performance metrics and don't feel recognized for your contributions and the efforts you're putting in. We recognized that sometimes the work of leaving 100 voicemails can be grueling, but it's still important to our collections efforts. We highly value our Collectors and know the work you do can be very challenging. We do take your feedback seriously and will share this with our leadership team. We are glad to see that you enjoy having a flexible schedule and paid time off.

  5. 5.0
    Former Employee, more than 3 years

    My experience at Bread Financial

    Mar 27, 2023 - Anonymous 
    Recommend
    CEO Approval
    Business Outlook

    Pros

    Overall, my experience at Bread Financial was a positive one. For the following reasons I stayed for over 3 years and only left when I was handed an opportunity by a close friend that I would have been a fool to pass up: Management actually cares about their employees and treats everyone like a human being worthy of respect (it sounds like a small thing, but it makes a huge difference). The pay was great and raises more than kept up with the rate of inflation every year. My team was exceptional. I loved working with them and being surrounded by so many competent, intelligent people made me excited to work as part of a team. I experienced few interactions with customers that were anything less than pleasant. Most customers were incredibly polite, and any time I did have to deal with a rude customer I felt empowered to step away from the conversation at any point if they crossed a line.

    Cons

    There were few, if any, cons to working for this company. Like I said I only left because I was handed a once-in-a-lifetime opportunity and even the managers I didn’t have constant and direct contact with during my time there were happy for me.

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    Bread Financial Response

    Thank you for sharing your incredible experience working with us! We're thrilled you were able to find an amazing next opportunity and wish you all the success! Working on a team with intelligent professionals really does make work feel like an exciting adventure you're sharing together! We do care passionately about our associates' health. Our award-winning, holistic well-being program aims to help you feel balanced, energized, and optimistic about your personal journey!

  6. 3.0
    Current Employee, less than 1 year

    Great people but overworked

    Jun 7, 2023 - Supervisor 
    Recommend
    CEO Approval
    Business Outlook

    Pros

    Bread is a good company that cares about your development. Coworkers are great and management is great. Pay is decent for the position.

    Cons

    Supervisors are overworked and have no work life balance. They offer unlimited PTO but the workload is unrealistic.

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  7. 5.0
    Current Employee, less than 1 year

    Strong values

    May 31, 2023 - Anonymous/Employee in Conroe, TX
    Recommend
    CEO Approval
    Business Outlook

    Pros

    BF values excellence, integrity, and accountability.

    Cons

    You can’t fake it here.

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    Bread Financial Response

    Thanks for this very balanced review! We absolutely agree with you that we seek out talent who shares our values -- to be real, be courageous, be nimble, be dependable, and be kind and pay it forward. We're always looking for smart, hardworking individuals who are willing to learn and improve. Those who are successful tend to be flexible and adaptable in a fast-paced, ever-changing environment. We are about to begin our mid-year review process and we do a formal end of year performance review, but timely, constructive feedback should happen regularly and as needed during one-on-one meetings with your leader. Thank you for your contributions and for sharing this review!

  8. 5.0
    Former Employee, more than 5 years

    Huge emphasis on culture

    Mar 28, 2023 - Anonymous 
    Recommend
    CEO Approval
    Business Outlook

    Pros

    Management puts a huge emphasis on culture and on employee well-being. It’s not the kind of company where they just burn and churn through employees and try to get as much out of them as possible. Having worked there for almost half a decade I feel fairly confident in saying that not only myself, but everyone I worked with felt appreciated and valued every single day. Maybe not all day, every day. But without a doubt, every single day.

    Cons

    Things move at a lightning pace and you need to be able to keep up. Once my wife had a kid I knew I was going to need a slower pace to be the partner to her that I wanted to be, and that’s the only reason I left.

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    Bread Financial Response

    Thank you for taking the time to share this review! So glad to see that the emphasis we put on culture and appreciation is also appreciated by our associates. It's great to know that we're making an impact in how our people feel about the work they contribute. You're absolutely right that we look for smart, hardworking associates who are flexible and can adapt in a fast-paced, ever-changing environment. Thanks for your contributions and your time with us!

  9. 2.0
    Former Employee, less than 1 year

    Discombobulated

    Jun 7, 2023 - Deposit Fraud Specialist II in Columbus, OH
    Recommend
    CEO Approval
    Business Outlook

    Pros

    Good pay and benefits, not much else.

    Cons

    No clue at all what they were doing. They changed the name of the company 3 times while I was there. No guidance, moved between managers

    1 person found this review helpful
  10. 5.0
    Current Employee, more than 1 year

    Associate

    May 21, 2023 - Associate in Clarks, NE
    Recommend
    CEO Approval
    Business Outlook

    Pros

    My manager has had my back since the day I started at the company and I’ve only felt more and more supported since.

    Cons

    I have nothing to add here.

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    Bread Financial Response

    Thank you for this review! It is really wonderful to see that associates can truthfully say that their manager has had their back since the beginning and the trust has only grown from there! That makes a huge difference to employee satisfaction with their work and their leadership/teammates. We are always looking for candidates who share our values -- to be real, courageous, nimble, dependable, and ultimately to be kind to others. We hire professionals who are smart, hardworking, and willing to learn and improve. We need people who have the ability to be flexible and who can adapt in quickly a fast-paced, ever-changing environment.

  11. 5.0
    Current Employee, more than 3 years

    It was good

    May 26, 2023 - Anonymous/Employee in Alba, TX
    Recommend
    CEO Approval
    Business Outlook

    Pros

    It was a good time in my life.

    Cons

    Things here and there but nothing major.

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    Bread Financial Response

    Thanks for sharing your review from Bangalore! Not sure if you are a current or former associate, but either way, we're glad you took the time to share a review!! Thanks for sharing that you enjoyed your experience working with us! We are actually working on a project called Career Navigator to provide the coaching and mentorship some associates crave for development support.

Viewing 1 - 10 of 1,311 Reviews
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Bread Financial Reviews FAQs

Bread Financial has an overall rating of 4.4 out of 5, based on over 1,359 reviews left anonymously by employees. 86% of employees would recommend working at Bread Financial to a friend and 80% have a positive outlook for the business. This rating has improved by 15% over the last 12 months.

According to anonymously submitted Glassdoor reviews, Bread Financial employees rate their compensation and benefits as 4.6 out of 5. Find out more about salaries and benefits at Bread Financial. This rating has improved by 15% over the last 12 months.

86% of Bread Financial employees would recommend working there to a friend based on Glassdoor reviews. Employees also rated Bread Financial 4.1 out of 5 for work life balance, 4.5 for culture and values and 4.1 for career opportunities.

According to reviews on Glassdoor, employees commonly mention the pros of working at Bread Financial to be career development, culture, benefits and the cons to be senior leadership, management.

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We’re a bold, tenacious and innovative company that challenges you to be your best, respects your voice and recognizes your contributions....More

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This is the employer's chance to tell you why you should work for them. The information provided is from their perspective.

Reviews by Job Title

Company Updates

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Bread Financial

2 days ago

Our Bread Financial Summer Interns are Here! We are excited to share that our 2023 Summer Interns joined us last week and they're already getting ramped up! Our Internship Program gives college students the chance to explore and develop a variety of work experiences and skills. They will be with us for the next three (3) months and get the opportunity to work on real-world projects that are relevant to our business and their academic program! They get to collaborate with multiple teams to help them translate their academic experience to the professional world. We teach them about what it takes to be successful in our industry and they gain the skills necessary to begin their careers. They will be learning about time management, gaining consensus, overcoming challenges, preparing project updates, presenting to stakeholders, and more! The program is ideally suited to juniors and seniors enrolled in an undergraduate program and can be a first step to beginning a career with Bread Financial after graduation!
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Bread Financial

31 days ago

Culture
During the month of May, our Bread Financial Easton headquarters in Columbus, Ohio is shining a spotlight on Mental Health Awareness Month! Both of our campus buildings will be illuminated in green lighting from dusk to dawn in recognition of Mental Health Awareness Month. Green is the unofficial color of mental health awareness because it represents balance and harmony, which can help us to deal with mental anxiety and stress. For Mental Health Awareness Month, we're holding webinars to help our associates preserve their well-being by identifying symptoms of stress and anxiety (which aren’t always obvious) and providing tips for dealing with mental stress and anxiety and using emotional intelligence. To help associates manage their work-life balance, we have another webinar to educate associates on the family support benefits available to help them manage responsibilities, including Back-Up Care, Elder Care, Pet Care, and other support enhancements.
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Bread Financial Photos

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Bread Financial photo of: Inside our newly redesigned offices!
Bread Financial photo of: Bread Financial's office in the Easton area
Bread Financial photo of: A "coffee point" in the redesigned offices. Free snacks are in all break areas, which were moved to be in the center of each floor in the office redesign.
Bread Financial photo of: A different space for associates to meet or work.
Bread Financial photo of: An office space with the option for a high table or a sitting/standing desk with dividers.
Bread Financial photo of: An area in the office with a Microsoft Surface Hub, which can be used a variety of ways and moved all over the room.
Bread Financial photo of: Inside a pod where associates can sit with their computer and prop their feet up for heads down work.
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Glassdoor has 1,359 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.