How to prequalify for American Express credit cards

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

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

While you can never be 100% sure whether you’ll be approved for a credit card, you can get a pretty good idea of your odds. To do that, get prequalified by American Express. Amex will tell you if you’re a good fit for its products. Then you can apply for one with a higher degree of confidence.

See if you prequalify for Amex cards

CardMatch™ from creditcards.com

  • Find card offers you are more likely to qualify for without impacting your credit score.
  • Save time by comparing matched offers from multiple partner banks.
  • You may be matched to special offers based on your credit profile.
  • See your matched offers in less than 60 seconds.
  • Get matched to the card feature that's right for you. Find cards with low interest, cash back, balance transfers, and travel rewards.
  • Users may not be matched with all offers or banks. Matches are based on a user's credit profile. See the CardMatch terms and conditions for more details.
Read less
Read more
See Rates & Fees

Compare American Express cards

Premium cards typically have stricter approval requirements. For that reason, it’s often wise to get an American Express prequalification before applying for a card.

Name Product Filter values Rewards Purchase APR Annual fee
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
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Gold Delta SkyMiles® Credit Card from American Express
2x miles on Delta purchases and 1x miles on all other purchases
17.24% to 26.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
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
0% intro for the first 12 months (then 14.49% to 25.49% variable)
$95
6% cash back at US supermarkets. Rates & fees
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.24% to 26.24% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
American Express® Green Card
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
See Rates & Fees
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
$250
Earn 4x points at restaurants worldwide. Rates & fees
American Express Cash Magnet® Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$0
Unlimited 1.5% cash back. Rates & fees

Compare up to 4 providers

What is American Express prequalification?

If you’re prequalified, American Express has performed a soft pull on your credit history and thinks you might qualify for its products. Typically, you have very good odds of approval after prequalification — your chances could be 80% to 90% or higher.

It’s great to get prequalified, but it never means you’re guaranteed approval. If your credit profile doesn’t meet the bank’s minimum requirements, you may be denied. Still, it can be a good idea to get prequalified for American Express’s products before exposing your credit history to a hard pull.

Credit terms: Soft vs. hard pull

A soft pull is a quick background check on your credit history. Banks might initiate one to see if you qualify for their cards. You might also initiate a soft pull when you request your own credit score.

You’ll get a hard pull on your credit history if a financial institution needs to make a lending decision — for example, when you apply for a mortgage or credit card. A hard pull will usually decrease your credit score by a few points.

To check whether a bank performs a soft or hard pull on your credit history, give it a ring and ask a representative.

What are the benefits of an American Express prequalification?

  • Strong approval odds. Prequalification means you have a very good chance of getting approved for certain cards.
  • Narrow your options. Amex’s prequalification tool can point you to cards that fit your credit profile.
  • No obligation. You don’t have to apply after getting prequalified. You’re free to shop around with other providers and look at other products.
  • Your credit score is unaffected. Amex will initiate a soft pull on your credit history. There’s no adverse effect on your credit.

How do I get prequalified for an American Express credit card?

  1. Visit the American Express prequalification page.
  2. Fill in your full name, last four digits of your Social Security number and home address. You can also click the Select an interest section, where you can select which type of cards you’re interested in.
  3. Click View my card offers.

Best credit card offers

Prequalification and preapproval. What’s the difference?

  • Prequalification is when you agree to provide your credit information in order to apply for a credit card.
  • Preapproval is when a bank determines that you are eligible to receive a credit card.

In both cases, you are not required to apply for the card if you don’t want to.

Bottom line

Prequalification isn’t required before applying for an American Express card, but it could be a wise decision. You’ll have a better picture of where you stand, and you can narrow your options before having a hard pull on your credit history.

You’re not obligated to apply for cards you’re prequalified for, so feel free to compare other providers. You could find whether you qualify for the right product with Chase, USAA or another bank.

Frequently asked questions

Was this content helpful to you? No  Yes

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 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