How to Get American Express Pre-Qualify Credit Card Offers (Links) [2019]

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Are you looking to see if you’re eligible for American Express pre-qualify offers for credit cards?

This article will walk you through how to check for your American Express pre-qualify offers and show you some things you can do to increase your chances of getting an offer 

I’ll also show links where you can get pre-qualified offers for other major banks like Chase, Citibank, Bank of America, etc. 

Update: Some offers are no longer available — click here for the latest deals!

What are American Express pre-qualify offers?

American Express pre-qualified offers are special credit card offers Amex allows you to pull up that usually mean you stand a good chance of getting approved.

They do not mean that you will be instantly approved and some people do get rejected even when applying for a pre-approved offer.

How to check for American Express pre-qualified offers

You can check to see if you’re targeted for Amex qualified offers in four easy steps.

  • Step 1: Go to the Amex website 
  • Step 2: Click on “Check for Offers”
  • Step 3: Input your personal information
  • Step 4: Submit your information

 Step 1: Go to the Amex website

You can check for Amex pre-qualified offers by going to this link.

Step 2: Click on “Check for Offers”

Toward the top of the screen you should see a tab that says “Check for Offers.” Click on that.

Step 3: Input your personal information

You’ll need to input the following information:

  • Full name 
  • Address
  • Last four of your social security number 

Step 4: submit your information

Once you input your information, click on the “View My Card Offers.”

If you’ve been pre-qualified then some offers should show up.

You could also try calling American Express and checking if their are any pre-qualified offers for you.

RSVP code offers

This is also the page where you can submit your RSVP codes to claim your targeted mailers.

CardMatch Tool

You can also try to bring up pre-qualified offers via the CardMatch Tool.

What cards can you get pre-approvals for?

I’m not exactly sure which Amex cards you can get pre-approvals for.

But some cards that you might try to get pre-qualified offers are:

  • The Platinum Card
  • The Premier Rewards Gold Card
  • Amex EveryDay Preferred
  • The American Express Green Card
  • Amex EveryDay
  • The American Express Gold Business Card
  • The Blue Cash Everyday
  • The Blue Cash Everyday Preferred
  • Delta Skymiles cards (Platinum, Gold, etc.)

What credit score is needed for Amex pre-approvals?

It’s not clear what credit score is needed for Amex pre-approvals but you’d generally want to get in the 700s for your best odds.

However, if your score is in the 600s then you can still definitely get pre-qualified offers. 

I’ve even seen reports of people getting pre-qualified offers with credit scores in the mid-600s.

Does Amex perform a soft pull or hard pull?

Amex will perform a soft pull on your credit report when they conduct the pre-approval. 

They even state:

Check with confidence: this is not a Credit Card application and your credit score won’t be affected.

It seems that it’s becoming more and more common for Amex to perform soft pulls for their existing customers when they apply for cards.

It used to be that only soft pulls were done when an applicant was denied but now even some approvals are resulting in soft pulls.

You should always be prepared for a possible hard pull when applying for an Amex card but there’s definitely a possibility that you won’t have a hard pull if you’re already an Amex customer.

What’s the difference between a soft pull and a hard pull?

There’s a huge difference between a soft pull and a hard pull. 

A soft pull will not affect your credit.

On the other hand, a hard pull will bring down your credit score.

How bad will your credit score be affected? 

The amount that your score will get brought down depends on your credit profile.

If you have a very established credit profile or a perfect credit score, the hard pull may only bring your score down a point (some say there might even be no effect).

On the other hand, if you have a very thin credit profile with a lower score, your score could go down over ten points.

In most cases, though, you’re looking at a 3 to 5 point drop due to a hard inquiry.

The good news is that your credit score will quickly go back up, usually in 60 to 90 days.

After one year, the hard inquiries won’t have any effect on your credit report and after two years it will fall off your credit report entirely.

What credit bureau will Amex pull?

If Amex  does conduct a hard pull on your credit report, they will usually pull Experian, although it’s not guaranteed.

If you want to learn more about which banks pull which credit bureaus you can read more about them here.

What if I don’t have any offers?

If you don’t pull up any pre-qualified offers then don’t sweat it — plenty of people get approved even when no pre-approval offers come up for them.

I would probably check every three months or so to see if new offers popped up, but I wouldn’t be checking it on a daily basis.

Can Amex deny me?

As stated, just because you are pre-qualified, that does not mean that you will be approved.

There are plenty of data points out there of people getting pre-approved and then getting denied.

If you have a good credit score (720+), established credit history, and no blemishes on your credit report, I’d say your odds are very high of getting approved if you are pre-qualified. 

What if I get denied?

If you are a current Amex customer and you get denied for a credit card, there is usually only a soft pull on your credit report (unless there’s been a big change on your credit report).

However, some people have reported that they’ve applied for pre-qualified offers and after being denied, they noticed that Amex only performed a soft pull on their credit report. 

So if you get denied, there’s a possibility that your credit score won’t even be impacted if they don’t run a hard pull.

Targeted offers

American Express is also known for sending out targeted offers.

If you want to receive targeted offers you can do these three things.

Don’t apply for any Amex cards

It seems that Amex likes to send out targeted offers to people who are not currently customers.

That’s not to say that current customers can’t receive targeted offers (they receive plenty) — it’s just that you might have an easier time coming across targeted offers when you have a great credit profile but are not currently a member of the Amex family.

Opt-in to Amex offers

To make sure you’re receiving offers from Amex, you need to make sure that you’re opted in to their marketing communications.

You can go here to manage your communications with Amex

I chose to select all of the communications, just to ensure that I didn’t miss anything. However, you probably only really need to opt-in to “New Card and Credit Offers.”


Opt-in to credit card offers

You should also make sure that you’re opted-in to receive offers with the official Consumer Credit Reporting Industry.

If you’re not currently opted-in you likely won’t receive any offers.

You can do that here.

Amex Platinum 100K

The American Express Platinum is a fantastic card with many rich benefits and one very special targeted offers is the Amex Platinum offer with a 100,000 point welcome bonus.

The standard public offer is for 60,000 Membership Rewards after you spend $5,000 in the first 3 months so this offer is significantly higher and you can find out more about this offer here.

Amex Application Rules

American Express might send you out pre-qualified offers but it’s up to you to make sure that you’re not violating one of their key application rules. 

If you do violate these rules you’ll likely be denied.

Here are the most important Amex application rules that you should be aware about.

Once per lifetime

American Express will typically limit you to only welcome bonus per lifetime.

In reality, there are ways to get around this. Sometimes Amex will send offers out that don’t contain the once per lifetime rules.

Other times, Amex considers a “lifetime” to be 7 years, so sometimes if you’re patient enough, you might be able to get a welcome offer for a second time.

Multiple credit cards at once

Amex will generally not allow you to get approved for two credit cards at once — you usually need to wait about a week.

Some people still get lucky and are able to get approved for two cards at once but they are mostly outliers.

Also, note that Amex this rule only applies to credit cards and not charge cards, so it’s possible to get approved for two charge cards at the same time.


Amex will allow you no more than two credit cards within 90 days.

Again, this rule only applies to credit cards.

Top 4 Amex cards

The Platinum Card from American Express

Top 10 Travel Credit Cards

The Platinum Card from American Express is one of my favorite travel rewards credit cards with it high welcome bonus, 5X on airfare and it’s lounge access benefits with are much better than virtually every other premium credit card.

Premier Rewards Gold Card

  • Earn 25,000 Membership Rewards after you spend $2,000 on purchases on your new Card in your first 3 months (higher targeted offers available)
  • 3X points for flights booked directly with airlines
  • 2X at US restaurants, US gas stations and at US supermarkets
  • $100 airline credit
  • No foreign transaction fees
  • $195 annual fee (waived the first year)

The Premier Rewards Gold Card earns 3X points for flights booked directly with airlines and 2X at US restaurants, US gas stations and at US supermarkets, so it’s one of the highest earning Amex cards when it comes to bonus spend.

Amex EveryDay Preferred

  • Welcome offer: 15,000 Membership Rewards after spending $1,000 in the first 3 months (higher targeted offers go out)
  • Earn 50% more points 30 or more times on purchases in a billing period and
  • 3X at US supermarkets on up to $6,000 per year in purchases
  • 2X at US gas stations
  • $95 annual fee

The Amex EveryDay Preferred is one of the best cards for earning tons of Membership Rewards.

If you do a lot of shopping at supermarkets this card will be one of the most valuable cards you can get. Earning 3X on up to $6,000 at US supermarkets is great but that 50% bonus can put the earnings over the top.

The Blue Cash EveryDay Card

blue cash everyday rewards

  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%)
  • 2% cash back at U.S. gas stations
  • 2% Cash Back at select U.S. department stores
  • 0.0% introductory APR for the first 12 months.
  • Balance transfers: 0.0% introductory APR for the first 12 months on balance transfers requested within 30 days of account opening.
  • No annual fee
  • Foreign transaction fee: 2.7%

The Blue Cash EveryDay is a great cash back credit card with no annual fee. It doesn’t earn the rewards like the Blue Cash Preferred but with no annual fee it is a tempting option for many.

Other banks pre-approval options

American Express isn’t the only bank to offer pre-approvals for their credit cards.

Plenty of other major banks also offer pre-qualified offers.

Bank of America pre-qualified offers

Barclays pre-qualified offers

  • Barclays no longer allows you to check for your pre-qualified offers.

Capital One pre-qualified offers

Chase pre-qualified offers

You can read more about Chase pre-approvals here.

Citibank pre-qualified offers

Discover pre-qualified offers

HSBC pre-qualified offers  

  • HSBC used to have a pre-qualified checker but it is no longer available. 

US Bank pre-qualified offers

Final Word

Amex pre-qualified offers are nice because they can give you an idea about which Amex cards to go with and sometimes they even result in soft pulls that don’t even impact your credit when you’re denied.

But you don’t need to receive a pre-approval to get approved for a card. So I’d give it a shot to see if I had any pre-approvals but I’d be more focused on building a solid credit score so I could apply for some of the best Amex cards.

UponArriving has partnered with CardRatings for our coverage of credit card products. UponArriving and CardRatings may receive a commission from card issuers. Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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