The best way to estimate your Amex Blue Cash Everyday approval odds is to check for pre-qualification. You can do that in minutes on the American Express website. Pre-qualification does not guarantee you’ll be approved. But most people who are pre-qualified get approved. Another good way to gauge your Amex Blue Cash Everyday approval odds is to check your credit score before applying. Applicants for the Amex Blue Cash Everyday require at least good credit to be approved.
Here’s how to estimate your Amex Blue Cash Everyday approval odds:
You can check for Amex Blue Cash Everyday pre-qualification. Go to Amex’s pre-qualified offers page, enter your contact information and the last four digits of your Social Security Number, and click the "View my Offers" button. If you are pre-qualified, it means American Express has done a soft inquiry into your credit and thinks you’d likely get approved.
You can check your credit score. Credit card applications can temporarily damage your credit score, so it’s best to know where you’re situated before applying. Amex Blue Cash Everyday requires good credit for approval, so make sure you meet that requirement.
Your Amex Blue Cash Everyday approval odds should be pretty similar to your odds with other American Express credit cards.
If your application is denied, you can request a reconsideration by calling American Express at (800) 567-1083 at least 30 days after denial. That’s basically a chance to explain yourself and correct any errors related to your application. Also, if you think your credit score needs improving, consider some tips to address just that.
You can also prequalify for the Amex Blue Cash Everyday on Amex's pre-qualification page. This will not affect your credit score as it will be based on a a soft pull. However, if you do prequalify and want to get the card, you will need to submit an actual application which will result in a hard pull. And keep in mind that while pre-qualification indicates good odds of approval, it does not guarantee it.
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can also check out some tips on how to minimize the credit score damage caused by hard pulls.
While some applicants may be approved instantly because they match the exact criteria that the issuer is looking for, not being approved right away doesn’t mean that you won’t ultimately get approved once your application is reviewed in more detail.… read full answer
You will be informed either way once a decision has been reached. If you’d like to check your Amex Blue Cash Everyday application status yourself, you can do so online or by contacting customer service at (888) 826-3471. You will need to provide your Social Security number along with your home ZIP code (the one used on your application).
The Amex Blue Cash Everyday credit score requirement is 700 or better. That means applicants for the Amex Blue Cash Everyday need good credit or better to be approved.
But your credit score is only one of the factors considered when you apply. American Express will also consider your income, existing debts, number of recently opened accounts and other things. Make sure you are aware of what American Express looks for before applying.… read full answer
Amex Blue Cash Everyday Credit Score Info
The Amex Blue Cash Everyday credit score requirement is 700, at a minimum. That means you’ll need at least good credit for approval.
Other requirements for the Amex Blue Cash Everyday include a steady income and a Social Security Number, ITIN or passport (Amex can access your credit reports from select countries so you don’t necessarily need a credit history in the U.S.). American Express will also look at your expenses, existing debt, credit history and recent credit inquiries.
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