You cannot check for Amex Blue Business Cash pre-approval. American Express does not offer pre-approval for this card through its website, so anyone interested in applying for the Amex Blue Business Cash Card will have to do so without the benefit of checking for pre-approval beforehand.
You can, however, use WalletHub’s CardAdvisor tool instead and learn how easy it is to find the right credit card for you. Just answer a few general questions, and based on your responses, CardAdvisor will provide you with some recommended credit card offers.
Yes, American Express does have pre-approval. American Express has an online pre-qualification page where potential applicants can quickly check their odds of approval for certain American Express credit cards before they actually apply for one. Current American Express customers may also receive pre-approved offers periodically by e-mail or when logging into their card’s online account. And in some cases, American Express will send people pre-approved offers for a specific credit card in the mail.… read full answer
Getting pre-approved for an American Express credit card indicates that your chances of being approved for an account are very high. It does not mean that approval is guaranteed.
How to Check for American Express Pre-Approval Online
Select the "Cards" tab and click "Check for Pre-qualified Credit Card Offers" on the American Express website.
You can either log in to your American Express account or check offers as a prospective customer, without having to log in.
Enter your full name, address, income, and the last four digits of your Social Security number.
Click "View My Card Offers" to view any pre-approved offers.
If you have pre-approved offers, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a pre-approved offer in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows American Express to flag the application as pre-approved.
American Express pre-approvals do not affect your credit score, as they’re done using a soft "pull," or inquiry. Similarly, when you apply for an Amex personal card, a soft inquiry will be made on your credit report and you will be told with certainty if you are approved. However, if you are approved and want to get the card, American Express will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.*
*This limited-time new application experience is currently available for individuals applying for a U.S. personal card via WalletHub, on the American Express site, or by calling American Express and is not available if you apply for a card after you log into an existing Card Member Account.
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.
If your credit score is below the threshold needed for a credit card from American Express, it’s best to apply only after you meet the credit score requirement. You can … read full answercheck your credit score for free, right here on WalletHub.
American Express Credit Score Requirements by Card
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for an American Express credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.
*All information about the American Express Cash Magnet® Card has been collected independently by WalletHub. The American Express Cash Magnet® Card is no longer available to new applicants through WalletHub, but may be available on the American Express website.
Pre-approved and pre-qualified credit card offers both indicate that a potential credit card applicant is likely to be approved. The terms are often used interchangeably, but their exact definitions are a bit different. A pre-approved credit card offer is when a credit card issuer proactively browses someone’s credit history and decides that he or she is likely meet the requirements for one of its cards. A pre-qualified credit card offer is when someone asks a credit card company to take a preliminary look at his or her credit history to gauge the likelihood of approval if an application is submitted.… read full answer
Both pre-approved and pre-qualified credit card offers have no effect on your credit standing. They only use a harmless “soft pull.” But if you decide to apply after being pre-qualified or pre-approved, the issuer will do a “hard pull” of your credit, which will temporarily lower your score.
Pre-approved vs. pre-qualified credit cards:
Pre-Approved Credit Cards
Pre-Qualified Credit Cards
How to Get
Receive an offer in the mail
Top 12 issuers
9 of 12 top issuers
Pre-approved and pre-qualified offers generally provide an 80% - 90% chance of approval. On the other hand, if you get a “pre-selected” offer, it means you fit some general criteria established by the issuer and have around a 70% chance of approval. Lastly, an “invitation to apply” gets sent out based on demographics, not your credit. Such offers have lower acceptance rates because they’re sent to large groups of people and are not as targeted.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.