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Amex Bread 2%cb approval trick or treat?
So, there I was, sitting in the garden, minding my own business, until may or June 2023 watching the plants grow slowly and along came an Amex bread 2%cb promo informing me I'm prequalified...
Yes, I took the red pill to see how deep the rabbit hole goes and accepted it, against my better blue pill judgement.
Instant approval for $5000
Hp Exp - 734
Crazy surprised with 6 new accounts in 6 months already.
However, they never sent any emails confirming i was approved. Just a text saying I can add a digital version within 24 hours to Apple wallet, but I dont use apple products so can't confirm that way. The text did repeat the $5k limit, but since I never got an email confirmation, I have to ask myself if this was a trick and it's going to fall through or if it's a treat and I'll have my new card in the 10 to 14 days outlined after instant approval I can not reaccess.
Has anyone else only received a text but no email confirmation on the bread 2% like that and the approval was genuine?
I didn't used to be paranoid but Truist did that to me last year where they approved me via text and phone. Never sent an email and it fell through as a trick and not treat.
So, I guess I'll just hold off on adding the bread card to my sig until I get better confirmation. :/





























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Re: Amex Bread 2%cb approval trick or treat?
Congrats on your Bread Cashback AMEX approval






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Re: Amex Bread 2%cb approval trick or treat?
Amex often sends out approval emails well after you were actually approved. As long as you saw a confirmation, it's a treat and not a trick. Congrats on the approval! (Also depending on your email provider, you may want to take a look to make sure they didn't flag it as spam or something.)








































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Re: Amex Bread 2%cb approval trick or treat?
Really kind of weird experience for me as well. Called customer service and confirmed approval and 3k line, took about 4 minutes.
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Re: Amex Bread 2%cb approval trick or treat?
Congrats on your approval (treat)!!!
US Bank Cash+ $15k
AMEX BCP $10k
AMEX BCE $1k
FICO 8 Scores: EQ 808 I EX 796 I TU 806
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Re: Amex Bread 2%cb approval trick or treat?
Congratulations on your Bread Amex approval!











Current FICO 8 | 9 (March 2025):
Credit Age:
Inquiries (6/12/24):
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Re: Amex Bread 2%cb approval trick or treat?
Sounds like a real approval to me, congratulations!
If you use a Google Pay or Samsung Pay wallet you might want to try the link anyway, or call Bread to see if that's an option before the card arrives.
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Re: Amex Bread 2%cb approval trick or treat?
Congrats on your new Bread card
>3/2025 All 3 reports 845 - 850(F8) F9s = 835ish but my app finger is still twitching
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Re: Amex Bread 2%cb approval trick or treat?
WooHoo!! Congratulations on your Bread Approval!!👏🏼🍾🥂
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Re: Amex Bread 2%cb approval trick or treat?
Congratulations on your approval!