Does Blue Cash Everyday do a hard pull?
Yes, the Amex Blue Cash Everyday will do a hard pull on your credit report when evaluating your credit card application. You will need a credit score of at least 700 to get it. That means you need good credit or better for approval. If you don't know where you stand, you can check your score for free, right here on WalletHub.
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.
