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American Express has long been associated with luxury. Just having an American Express credit card in your wallet is a sign of a high credit score and good overall credit card usage.
While some Amex credit cards, such as the American Express Centurion card, are considered elite, the issuer also offers many more accessible options, and the credit score is ” It opens the door to a new pool of consumers who are often 'good' rather than 'very good'.
However, we recommend that you consider checking your pre-qualifications before rushing to submit your application. Not only does it give you a better idea of how you can qualify for an Amex card without impacting your credit score, but it also qualifies for promotions (e.g. 0% referral rate or welcome bonus) that you can't get without pre-approval You may get
- 1 Which American Express cards can be pre-authorized?
- 2 How to Pre-Authorize an American Express Credit Card
- 3 How to Increase Your Chances of Prequalifying and Approving Your Amex Card
- 4 Pre-approved by Amex Should I Get a Pre-Approved Card?
- 5 Conclusion
Here are some of our favorite American Express credit cards with pre-approval probabilities.
- Best Amex card for families: American Express Blue Cash Preferred® card
- Best Amex card for paying at restaurants and US supermarkets: American Express® Gold Card
- Best Amex card for international travel: Platinum Card® from American Express
- Best Amex card for cash No annual fee: Blue Cash Everyday® card from American Express
|Rewards||Welcome Bonus||APR||Annual fee|
|American Express's Blue Cash Preferred Card||6% cash back on US supermarket purchases (up to $6,000 on annual spend, 1% thereafter). 6% back on select US streaming subscriptions. 3% back on transit and gas station purchases in the US. 1% on all other purchases||$250 statement credit after $3,000 purchase with new card within first 6 months||0% APR for first 12 months purchase (18.24% to 29.24% fluctuation thereafter) APR)||$0 first year introductory annual fee, $95 thereafter|
|American Express Gold Card||4x at restaurants point. 4x points on Uber Eats purchases and his US supermarkets (1x points thereafter on purchases up to $25,000 per year). Triple points on flights booked directly with the airline or via AmexTravel.com. 1x All Other Points||60,000 Points on $4,000 Purchases Within First 6 Months of Card Membership||Variable Annual Interest Rate Between 20.24% and 27.24%||$250|
|American Express Platinum Card||5x points per calendar year when you spend up to $500,000 on direct booking airfare, flights and prepaid hotels booked through AmexTravel.com. 2x points on prepaid car rentals through American Express Travel and 1x Membership Rewards points on all other purchases||$6,000 on card during first 6 months of card membership Buy 80,000 Membership Rewards® Points||Variable from 20.24% to 27.24% Pay Over Time Feature for APR||$695 Annual Fee|
|American Express Blue Cash Everyday Card||3% cash back on purchases at US supermarkets, US gas stations and US online retailers (each category purchase up to $6,000 per calendar year and 1% thereafter). 1% on all other purchases||Win up to $250. Earn 20% back (up to $150 in statement credits) on purchases at PayPal merchants. Plus, when you spend $2,000, you'll get $100 in statement credits. Complete both during the first 6 months of your card membership.||0% adoption APR for first 15 months of purchases (18.24% to 29.24% fluctuation APR thereafter)||$0|
How to Pre-Authorize an American Express Credit Card
If you're wondering how to prequalify for an American Express card, no matter which prequalification tool you use, you'll be pleased to know that the process is quick and easy.We've provided some basic information. You can check if you are eligible for a particular card by simply And because you haven't submitted a formal application, your credit report won't get scrutinized, and your credit score won't drop by up to 10 points.
Please continue. Please note that pre-qualification does not guarantee approval. You will still need to apply for a credit card, go through the credit approval process, and get a firm yes or no answer from Amex.
Check Offers with CardMatch
Bankrate's CardMatch™ tool makes it easy to check if you are pre-qualified for an American Express credit card. Here's how it works:
- Go to https://www.warnow.biz/finance/credit-cards/cardmatch/.
- Enter your name and home address.
- Create a password for your free Bankrate account to save your progress and get quick access to her future CardMatch offers.
- Enter your phone number. (By doing so, you give Bankrate permission to text you special offers and other information about the match, but don't worry — we only send messages occasionally. These communications are You can opt out at any time.)
- Please enter the last four digits of your social security number. (This is required for soft credit pulls that don't affect your credit score at all.)
- Accept the terms and conditions and click Get Match.
In less than a minute, you will be presented with a list of credit cards from all of Bankrate's participating partners, not just Amex, matching your credit profile.
If you are prequalified for an American Express card, you can submit your application directly through CardMatch. If not, you can prequalify for other benefits, including any of the many benefits and travel credit cards offered by issuers such as Chase and Citibank.
Check Amex for Special Offers
You can also look for pre-authorized credit card offers on the Amex website. This process is almost identical to that of CardMatch:
- Visit https://www.americanexpress.com/us/credit-cards/check-for-offers/.
- Enter your name and home address.
- The last four digits of your social security number.
- Optional: Enter your total annual income. (Doing so helps American Express calculate your debt-to-income ratio and ascertain your overall solvency, which may improve your odds of prequalifying for the card.) There is.)
Heather Norton, vice president of corporate affairs and communications at American Express, told Bankrate that the majority of issuer's personal credit cards are prepaid to “select eligible consumers.” Said they offer qualifying offers.So if you want to pre-qualify for an American Express Platinum card, for example, this is your chance to check it out. (Amex was unable to provide a complete list of credit cards that allow pre-authorization, as offer details and accepted cards are subject to change at any time.)
Tip: American Express and other card issuers may send prescreened credit card offers by regular mail. To confirm that you have opted-in to receiving them, please visit OptOutPrescreen.com, scroll to the bottom of the page and select “Click here to opt-in or opt-out”.
How to Increase Your Chances of Prequalifying and Approving Your Amex Card
Stay informed and practice good credit habits to get prequalified and approved for your Amex card Remember, you can increase your chances. Here are some steps you can take to increase your chances:
Check your credit score
Although American Express does not specify a minimum credit score requirement, , sufficient credit is required. This means his FICO score of at least 670. Premium Amex cards (e.g. American Express Gold Card) may require a “very good” FICO score in the 740 or higher range.
However, with that said, you can still qualify for a credit card with poor credit (or no credit history at all). He might not be one of Amex's top credit cards at this point. But in the meantime, consider applying for a secure credit card or becoming an authorized user of someone else's credit her account.
If it's been a while since you last peeped, be sure to check your credit score and your credit score. Take action to improve if necessary.
Tip: Be realistic. If you knowingly don't meet the credit score requirements and apply for a card, there's a good chance you'll get another tough question in your report, but no new card will appear for it.
Always pay bills on time
Payment history accounts for 35% of his FICO score and is a “highly influential” factor in his VantageScore. In other words, having a history of on-time payments is the best way to keep your credit score in top shape and increase your chances of prequalifying for an Amex card.
Keep your card balance low
“Amount Outstanding” is the second most important component of the FICO score. There are several factors in this factor, but the overall liability is not as important as the credit utilization rate or the ratio of credit used to total credit available.
A low balance on your card not only lowers your credit utilization (and increases your score), but it also pays less interest. This is an advantage.
Be aware of application limits
American Express limits the number of Amex cards consumers can hold at one time. Specifically, a customer is limited to his 5 Amex credit cards and his 10 Amex charge cards. Charge cards include the Amex Platinum, American Express Gold Card, and American Express Green Card. Additionally, you cannot get more than one Amex card approved every 5 days (or he more than 2 cards in any 90 day period).
Comparison of household income and personal income
As long as you're 21 or older and have “reasonable access” to your partner's income, you may find it easier to get your American Express card approved by providing household income rather than personal income. (The more income you have, at least from Amex's perspective, the more likely you are to pay off your debt.) Household income includes wages, retirement income, investments, rental property, alimony, child support, and more. It is included.
Pre-approved by Amex Should I Get a Pre-Approved Card?
The decision to get a pre-approved card from Amex (or its issuer) is a very personal one. Pre-authorization is a risk-free way to see which of her American Express cards are available, but if you're struggling to manage your debt, adding another credit card to her might make you want to overspend. I can't. Even if you apply for a pre-qualified card, you may run into problems if, for example, you have too many recent inquiries about reports.
Let's assume you are pre-qualified for Amex Blue Cash Everyday. Think about what you get for yourself before you formally apply. In other words, does Blue Cash Everyday have a lower interest rate than existing cards (thus saving you money if you need to carry a balance around)? Better than nothing? Is the welcome offer really worth it? These are all factors you need to consider before applying for his pre-approved Amex card or a card from another card issuer.
If you are unsure about the likelihood that your American Express credit card will be approved, verifying your prequalification with Bankrate's CardMatch tool or Amex's website will help you get out of the process. You can get rid of stress. Taking steps to improve your credit upfront also increases your chances of getting special offers when you apply.If your credit score isn't at risk, what do you have to lose?