Get prequalified 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 prequalified. 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 prequalified: 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 prequalification mean?
If you’re prequalified, 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 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 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 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?
- Visit the American Express prequalification 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.
Prequalification 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.