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Amex Now Lets You Apply With Confidence, No Impact on Credit Score

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Amex Apply With Confidence Consumer Cards

Amex Now Lets You Apply With Confidence for Consumer Cards

American Express is piloting a new application experience for its U.S. Personal Cards to help consumers apply with confidence. This is especially useful for those who are unsure if they’ll qualify for a Card.

During the application process, select applicants can find out if they are approved without impacting their credit score. If the applicant receives an approval and chooses to accept the Card, only then might their credit score be impacted.

This feature has been showing up for some applicants occasionally over the last months, but was officially launched earlier in the week.

The new application experience is currently available for individuals applying for a U.S. Personal Card at, or by calling American Express and is not available if they apply for a Card after they log into an existing Card Member Account.

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This is what the process looks like:

  • Consumers who are interested in applying for a U.S. Personal American Express Card can visit to see Card offers.
  • Upon applying for a chosen Card, a soft inquiry will be made on an applicant’s credit report and applicants will be told with 100% certainty if they are approved – without any impact to their credit score.
  • If the approved applicant then accepts the Card, a hard inquiry will be made on their credit report, which may impact their credit score.

In the future, prospective Card Members will be able to access this new application experience through co-brand partners’ websites as well. It is also expected to be available to current Card Members who are applying for another personal Card.

You will see this new application experience within Pre-Qualification journeys. This means that, after a consumer submits their form to check for offers, they will be able to then apply for the Card of their choosing with no impact to credit score unless they are approved and choose to accept the Card.

Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Based in NYC. Points/miles enthusiast for years and actively writing about it for the last 6+ years at Danny the Deal Guru. I'm always looking out for deals. Making a few bucks is always nice, but the traveling is by far the best part of this business.

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