Bread Cashback AmEx Approval

MileHigh96 · ‎05-25-2023

Applied a couple of weeks ago and got the dreaded we'll send you something in the mail in 7 to 10 days. Figured that it was declined, but it was from account protection and they needed me to confirm things over the phone. Talked to a CSR and after verifying everything, she said I was approved and that I would get all the info in the mail when my card arrives. But today I got an email from them and was able to at least look up my account basics and got a higher limit than I was expecting, especially since I had a couple of Commenity cards on my BK7 from 2021.

Sadly, you can only add it to an Apple wallet through their link which I don't use, I use Google Wallet instead, so I'll have to wait for the physical card to arrive, but still really happy with the starting limit all things considered.

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $5700 CL (opened 7/21/21)

Mercury Mastercard $5060 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $6500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $4050 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $36000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $15000 CL (opened 5/23/23)

Canvas Select MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $27000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

Barclays GM Rewards Mastercard (converted from GS My GM Rewards Card Mastercard) $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $11000 CL (opened 12/8/23)

NFCU More Rewards AmEx $17000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Best Buy Platinum Visa $4000 CL (opened 10/17/25)

Liberty FCU Platinum Credit Rewards Mastercard $12000 CL (opened 11/5/25)

Capital One T-Mobile Visa $15000 CL (opened 11/7/25)

Lands' End Visa $5300 CL (opened 11/13/25)

Associated Bank Max Cash Preferred Visa $500 CL (opened 11/17/25)

Affinity FCU Cash Rewards Visa $7500 CL (opened 11/18/25)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

6/6, 6/12, 11/24 new accounts
TCL: $219.4K

Catbird_Seat · ‎05-25-2023

Very nice, congrats, glad it worked out. I hate getting those messages, lol.

I love my Bread AMEX, the rewards are very easy to redeem. My first CLI at 6 months was a HP but then the second one at 12 months was a SP, so YMMV.

M_Smart007 · ‎05-25-2023

Congrats on the Bread Approval!

slickwidit · ‎05-25-2023

Congratulations 🎈🎊🎉🍾! I guess I should look into this one too lol!

"Achieving your goal is great and everything.. But The journey is where all the amazing stuff happens" *Slickwidit*
Score goals - 800+ (85 points away)

CreditMagic7 · ‎05-25-2023

@MileHigh96 - Soon as you register and activate the physical card press the Limit Increase Request Button.

Congratulations on your Bread Amex Approval!!

Creditwiser · ‎05-25-2023

Congrats on your Bread approval !

coreyb80 · ‎05-25-2023

Congrats on the approval!

FireMedic1 · ‎05-25-2023

Way to go @MileHigh96 ! Congrats!

BK Free Aug25

CreditAggie · ‎05-25-2023

Congratulations on your Breas Cashback Amex approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

NoMoreDebt · ‎05-25-2023

congrats on the approval

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL