The best way to estimate your 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 Blue Cash Everyday approval odds is to check your credit score before applying. A score of 700 or higher means solid odds.
Here’s how to estimate your Blue Cash Everyday approval odds:
You can check for 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. Blue Cash Everyday requires good credit for approval. Some say that’s 660+, but use 700+ as your minimum for good approval odds.
Your 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. That’s basically a chance to explain yourself and correct any errors related to your application.
You can estimate your odds by checking your credit score. If it's 700+, the odds are high. With a score of 700+ it's safe to assume that your credit utilization is reasonable and you don't have any recent negatives.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
The best pre-approved credit cards are really just the top cards that you can see if you pre-qualify for before actually submitting an application. And you can’t check to see if you pre-qualify for one card in particular, at least not directly. Rather, a credit card company will tell you which of its cards you’re pre-approved for. If that happens to include the card you’re targeting, you’ll know your odds of being approved are … read full answerextremely high, should you decide to apply. If your chosen card isn’t listed, there’s still a chance you could get approved, but it’s not a good sign.
Checking for pre-approval is definitely a good idea. It lets you gauge your chances of success before risking a hard pull on your credit. And the better your credit is, the better the credit cards you pre-qualify for will be, too. Your odds of actually getting approved when you apply will also be higher.
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