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
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American Express’ premium cards typically have stricter approval requirements. For that reason, it’s often wise to get pre-approval before applying for one.
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?
- Visit the American Express pre-qualification page.
- 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.
- Click View my card offers.
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.
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