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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 FinancialTM (NYSE: BFH) is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive product suite, including private label and co-brand credit cards, installment lending, and buy now, pay later (BNPL). Bread Financial also offers direct-to-consumer solutions that give customers more access, choice and freedom through its branded Bread CashbackTM American Express® Credit Card and Bread SavingsTM products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its 7,500+ global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit BreadFinancial.com or follow us on Facebook, LinkedIn, Twitter and Instagram.

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.