Alex Wise, WalletHub Credit Cards Analyst
@Alex_Wise
Yes, the Amex Blue Cash Everyday will do a hard pull on your credit report when evaluating your credit card application. You typically need good credit or better for approval, among other factors. If you don’t know where you stand, you can check your score for free, right here on WalletHub.
It is worth noting that when you apply for the Amex Blue Cash Everyday, a soft inquiry will be made on your credit report and you will be told if you are approved. Similarly, 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 soft pull. In both cases, if you are approved, you can choose to accept the card which will result in a hard inquiry, which may affect your credit score.*
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.
*This 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.
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
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People also ask
What are my Blue Cash Everyday credit card approval odds?
Your Amex Blue Cash Everyday Card approval odds might be good if you have good credit or better. Approval odds for the Amex Blue Cash Everyday credit card will also be influenced by your annual income and existing debts, among others. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.
What You Need for Good Amex Blue Cash Everyday Card Approval Odds
- Good credit or better
- Enough income to...
What is the Blue Cash Everyday Card from American Express credit score requirement?
You typically need good credit or better to have a shot at getting approved for the Amex Blue Cash Everyday.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Amex Blue Cash Everyday. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
If you excel in other areas, you might be able to...
read full answer by Joyce Brown, WalletHub Credit Card AnalystHow does the American Express Blue Cash card work?
The American Express Blue Cash cards work like normal credit cards, allowing users to borrow money for purchases, carry a balance, and pay off that balance later. 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.
Amex Blue Cash Everyday Highlights
The Amex Blue Cash Everyday card gives 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent per year on eligible purchases in each category), as well as 1% back on all other eligible purchases, received as reward dollars (which can be redeemed as a statement credit and at Amazon.com checkout).
This card also has an introductory...
read full answer by Keyaira Sutton, WalletHub AnalystDid we answer your question?
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