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How to prequalify for American Express credit cards

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

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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.

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.

Consider these cards if you’re prequalified

Blue Cash Everyday® Card from American Express logo

Blue Cash Everyday® Card from American Express

★★★★★
American Express Cash Magnet® Card logo

American Express Cash Magnet® Card

★★★★★
Blue Cash Preferred® Card from American Express logo

Blue Cash Preferred® Card from American Express

★★★★★
American Express® Gold Card logo

American Express® Gold Card

★★★★★

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 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. 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 13.99% to 23.99% variable)
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. 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)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $350 with this upper-mid tier travel card. Rates & fees
American Express Cash Magnet® Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. 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
15.74% to 24.74% variable
$0
With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees
Delta SkyMiles® Blue American Express Card
2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases
15.74% to 24.74% variable
$0
Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees
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Compare up to 4 providers

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.

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.

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.

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