How to pre-qualify for American Express credit cards | finder.com
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How to pre-qualify for American Express credit cards

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Get pre-qualified before applying for a card, and you’ll have a better idea of your approval odds.

While you can never be 100% sure whether you’ll be approved for an American Express credit card, you can get pretty close. To do this, get pre-qualified. Amex will tell you if you’re a good fit for its products, and you can apply for one with a higher degree of confidence.

Our pick once you're pre-qualified: American Express® Gold Card

  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4x Membership Rewards® points at U.S. restaurants. Earn 4x Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1x).
  • Earn 3x Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 airline fee credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No foreign transaction fees.
  • Annual fee is $250.
  • Terms apply.
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Compare American Express cards

American Express’ premium cards typically have stricter approval requirements. For that reason, it’s often wise to get pre-approval before applying for one.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. Rates & Fees
$550
None (Charge Card)

N/A

Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$250
See Rates & Fees

N/A

35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.99% to 26.99% variable

N/A

75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
$0
17.99% to 26.99% variable

N/A

Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees

Compare up to 4 providers

What does pre-qualification mean?


If you’re pre-qualified, a card issuer 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 pre-qualification — your chances could be 80% to 90% or higher.

It’s great to get pre-qualified, 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 pre-qualified for an issuer’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 pre-qualification?

  • Strong approval odds. Pre-qualification means you have a very good chance of getting approved for certain cards.
  • Narrow your options. Amex’s pre-qualification tool can point you to cards that fit your credit profile.
  • No obligation. You don’t have to apply after getting pre-qualified. 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 pre-qualified for an American Express credit card?

  1. Visit the American Express pre-qualification 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.

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Bottom line

Pre-qualification isn’t required before applying for a 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 pre-qualified for, so feel free to compare other providers. You could find the right product with Chase, Discover or another bank.
How to pre-qualify for a Chase credit card

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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