You will need to provide some personal information, such as your employer's information, your Social Security number, and your mailing address.
Keep in mind that a credit score of 700+ is required for Blue Cash Preferred. This means that you need at least good credit to get it. But apart from your credit score, the issuer will also take into account various other factors like your credit history, income and debts.
Having said that, it is also worth noting that you can see if you’re pre-qualified for an American Express card by using their online pre-qualification tool.
If for some reason an approval decision cannot be made immediately, you can check the status of your application online (even if you applied by phone).
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
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 the Blue Cash Preferred Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Blue Cash Preferred credit score requirement. You can check your credit score for free on WalletHub.
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