Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

How to prequalify for American Express credit cards

Get a better idea of your Amex approval odds by prequalifying.

American Express is among the few banks that allow you to see your chances of credit card approval through a simple online form. In under a minute, you can prequalify for an Amex card — which doesn’t guarantee application approval but does shed light on your chances for success.

Prequalify for Amex credit card offers in three steps without affecting your credit score:

  1. Go to the American Express prequalification page.
  2. Complete your name, address and last four digits of your Social Security number. For more targeted offers, enter details of your annual income.
  3. Select View my card offers and compare your options.

How to prequalify by yourself

American Express doesn’t offer secured or other credit-building cards, which means you have a higher chance of approval for Amex credit cards with a good credit score of 670 or higher.

If your credit isn’t quite there yet, focus on strategies to boost your score before trying again. Start by ordering your free credit report to see what potential lenders do, and then work toward paying off balances to lower your utilization ratio to 30% or below. Once your credit score is improved, try your luck with the Amex card you want.

What are the benefits of an American Express prequalification?

You aren’t guaranteed approval with prequalification, but it does give you a good shot at getting the Amex card you’re interested in, among other key benefits.

  • Narrow your options. Amex’s prequalification tool can point you to cards that are likely to fit your credit profile.
  • No obligation to apply. You don’t have to take Amex up on the offer you’re prequalified for. You’re free to use what you learn to shop around with other banks and providers.
  • Doesn’t affect your credit. Amex initiates a soft pull on your credit history that won’t ding your credit score.

Prequalification and preapproval: What’s the difference?

Prequalification and preapproval are often used interchangeably, though they refer to different approval processes.

With prequalification, you agree to give a bank or issuer basic access to your credit history in exchange for an idea of the cards or financial products you might qualify for. Because access is granted through a soft pull, your credit score isn’t affected — though approval isn’t guaranteed.

Preapproval is a more involved process, whereby a bank or issuer takes a deeper look at your borrowing against your financial history to determine its risk in taking you on as a cardholder. It too doesn’t hurt your credit score, and you’re not required to apply for the card you’re preapproved for if you don’t want it.

Bottom line

Prequalification isn’t required before applying for an American Express card, but it could give you an idea of a range of cards you can qualify for. You’ll see what Amex thinks of your credit, and you can narrow your options before committing to a hard pull on your history that can affect your score.

You can also take what you learn to prequalify for other credit cards among Amex competitors, like Chase or USAA.

Compare American Express credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Earn up to 6% cashback as statement credit on everyday purchases and a big welcome offer for a cashback card. This heavy-hitter rewards card has uncontested value. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases (redeem as statement credit)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Terms apply, see rates & fees
American Express® Gold Card
4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on all other purchases
See Pay Over Time APR
$250

Rose Gold is back

Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site