How to prequalify for American Express credit cards | finder.com

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.

Our pick once you're prequalified

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 when you dine at restaurants worldwide. 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 a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be 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

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
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% 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
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
N/A
$550
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
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.74% to 26.74% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
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
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
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 14.99% to 25.99% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
17.74% to 26.74% 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
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees

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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.

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