American Express uses Experian most of the time. Though Amex will use the other 2 major credit bureaus, TransUnion and Equifax, for some applications, they pull Experian for the majority.
Amex usually only does hard credit pulls for new applications. Some people who already have Amex credit cards will not get another hard inquiry if they apply for another Amex card in the future.… read full answer
Amex Blue Cash Everyday credit limits are $1,000 to $13,500, based on cardholder reports. But American Express does not disclose an official minimum or maximum Blue Cash Everyday limit. Instead, they set credit limits on a case-by-case basis, using an applicant’s credit history, income, debt, etc.
You won’t know your Blue Cash Everyday credit limit until you’re approved. If you don’t receive your desired credit limit, you can request a credit limit increase after your account has been open for 60 days. Or, you can reject the offer and not open the account.… read full answer
You can always look into getting a different credit card. The Blue Cash Preferred card has offered starting credit limits as low as $1,000, reportedly, but the majority of cardholders report initial limits of $5,000 up to $20,000. Keep in mind, though, that each application will temporarily bring down your credit score.
To redeem Blue Cash Everyday rewards, log in to your online account and select “Use Reward Dollars.” Then, choose a redemption option and the amount of reward dollars you’d like to redeem. Amex Reward Dollars are the cash back rewards Blue Cash Everyday cardholders earn on each eligible purchase. Reward dollars are worth $1 apiece when redeemed for statement credits, gift cards and merchandise. You can only redeem Blue Cash Everyday rewards in multiples of $25, with a $25 minimum. Reward dollars never expire as long as the account is open and in good standing.… read full answer
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