Skip to main content
Back to Insights & Innovation
Partnerships December 28, 2022

A year in review: 2022 at Bread Financial®

By Ralph Andretta

2022 was another year of tremendous progress on our business transformation, including the unveiling of the Bread Financial name and brand, the launch of the Bread Cashback™ American Express® card, successful credit program launches with partners like AAA and the National Football League (NFL), and significant improvements to our benefits and compensation programs that will help us better support associates' total wellbeing and attract and retain top talent. Our associates make this company great and are the reason we are well positioned for continued future growth. I am so impressed by the courage, compassion and dependability our team members demonstrate every day as we work together toward our goals in the New Year and beyond.

Our associates make this company great and are the reason we are well positioned for continued future growth. I am so impressed by the courage, compassion and dependability our team members demonstrate every day as we work together toward our goals in the New Year and beyond."

Check out some of our year-end highlights in the video below. We can’t wait to see what 2023 has in store!

About Bread Financial®
Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions, including Bread Financial general purpose credit cards and savings products, empower our customers and their passions for a better life. Additionally, we deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, jewelry and specialty apparel through our private label and co-brand credit cards and pay-over-time products providing choice and value to our shared customers. 
 
To learn more about Bread Financial, our global associates and our sustainability commitments, visit breadfinancial.com or follow us on Instagram and LinkedIn
 

Author

Ralph Andretta

President & Chief Executive Officer

President and Chief Executive Officer Ralph Andretta is responsible for the Company’s growth, development, and financial performance. With more than 25 years of experience at leading US financial services companies, Ralph has a strong record of growing credit card, loyalty, and affinity products and relationships, driving operational efficiencies and superior financial performance on a consistent basis.