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