Does Amex Blue Card do a hard pull?

Yes, the Amex Blue Cash Everyday will do a hard pull on your credit report when evaluating your credit card application. You will need a credit score of at least 700 to get it. That means you need good credit or better for approval.

Does Amex do a hard or soft pull?

Once you choose a card and submit an application, American Express will make a soft credit inquiry. This doesn't impact your credit score, unlike a hard inquiry.

Does Amex use a hard pull?

When you apply for an American Express credit card, the bank will typically perform a hard inquiry of your credit report. However if your application is denied, it won't show as a hard pull on your credit report.

What credit score do I need for Amex Blue?

You'll need good to excellent credit to qualify for the Blue Cash Preferred® Card from American Express. Generally speaking, this is defined as a credit score of 690 or better.

Does Amex Blue have a credit limit?

The credit limit for the Blue Cash Everyday® Card from American Express ranges from $500 to over $15,000. It varies based on a variety of factors, including your annual income and credit history.

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Is Blue Amex better than gold?

If you're spending more than $500 per month at U.S. supermarkets and spend a lot on travel, the Amex Gold card delivers better value. If you subscribe to select streaming services and spend a lot on transit or gas, consider the Amex Blue Cash Preferred card.

What is the hardest American Express credit card to get?

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.

What is the minimum income for Amex Blue?

The Amex Blue Cash Everyday has no disclosed minimum income requirement. However, as with any credit card, you will need to have sufficient income to afford payments. When applying, your total annual income may include wages, retirement income, rental properties and other personal income you can rely upon.

Can I get approved for Amex with a 650 credit score?

Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.

What is the easiest Amex card to get approved for?

When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.

Does Amex do a hard pull if denied?

If your application was declined, we do not report it to the credit bureaus. This will not affect your credit score. However, your request for a Card will show up on your credit bureau reports as a request for credit, also known as an "inquiry."

Is Amex application a soft pull?

Now, prospective cardholders can submit an application for an American Express credit card and find out if they're approved before undergoing a hard credit check. This approval feature involves a soft credit check, which won't have an impact on the applicant's credit score.

Why is Amex so hard to get?

Yes, it's hard to get an American Express card because they all require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclays and Wells Fargo do too, for example.

How many inquiries is too many for Amex?

There's no such thing as “too many” hard credit inquiries, but multiple applications for new credit accounts within a short time frame could point to a risky borrower. Rate shopping for a particular loan, however, may be treated as a single inquiry and have minimal impact on your creditworthiness.

Does Amex do hard pull for second credit card?

No, Amex doesn't combine hard pulls into a single inquiry when you apply for two different credit cards.

Does Amex Platinum do hard pull?

Editorial and user-generated content is not provided, reviewed or endorsed by any company. Yes, American Express does a hard pull for their credit cards. Keep in mind that most American Express credit cards require at least good or excellent credit, depending on the card.

What is the lowest credit score for Amex?

The American Express credit score requirement is of at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.

What Amex cards can I get with 690 credit score?

Credit score needed for the Blue Cash Preferred® Card from American Express. To qualify for the Blue Cash Preferred Amex card you'll need a score of at least 690 or better. Like many rewards earning cards, this card requires good to excellent credit to qualify.

Can I get an Amex with a 720 credit score?

While American Express doesn't publicize a minimum credit score for the Amex Gold Card, generally, applicants with a good credit score of 670 or above are more likely to qualify.

Will Amex check my income?

They will request tax returns and bank statements. What they're looking for is to make sure the income you reported on the application is true. The process typically takes 2-3 weeks, and you're assigned a specialist to talk to.

Does Amex Blue have to be paid in full?

Both the Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express are regular credit cards that don't need to be paid in full each month. Paying in full will help you maximize your savings from rewards, however.

Does income matter to Amex?

Person Income/Business Income

On average, Amex Platinum and Amex Business Platinum cardholders tend to have high incomes. However, a high income is by no means a requirement. We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum.

Which Amex card is most exclusive?

What is the heaviest Amex card?

Most widely available premium rewards cards are 12 grams or heavier. The Platinum Card® from American Express weighs 18.5 grams, while the Chase Sapphire Reserve® weighs 12.6 grams. How much does the AmEx Platinum weigh? The Platinum Card® from American Express weighs 18.5 grams.

Is American Express A rich person credit card?

No,. American Express is not specifically for rich people, even though it does have a high level of status in many people's minds. Applicants need good or excellent credit scores of 700+ to qualify for Amex credit cards, and you don't need to be rich to have a good credit score.