Cash back: use your American Express Small Business Card to help your business reduce costs with an Early Pay Discount ‡ or cash back in the. This financial services company offers a vast number of prepaid, charge and credit cards for applicants with good to excellent credit scores -- which FICO considers to be 670 or higher. So I've been checking the Amex prequal site every few days for a couple months now and always nothing. 2 student loans 93% paid off. All other Navy Federal Credit Card rates range from 11. 1% - 5%. 99 9. 2 Redeem for cash back as a statement credit, an ACH deposit into. Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6. Granting $2,500,000 to 23 nonprofit organizations. However, the Amazon Store. The credit card application process breaks down into a few basic steps: 1. Savings Accounts; Send Money & Split Purchases: Venmo and PayPal; Membership Rewards® Point Summary; Tools and Support. (9/2023) FICO 8 (EX) 825 (TU) 841 (EQ) 848. Re: What was your Amex Pre-qualification results. Membership Rewards; FICO® Score and Insights;I received an Amex pre-approval for the Business Gold Card even though I currently have one open! Watch me apply for a second time to see what happens! Cli. 1. I have a chapter 13 bankruptcy filed 5 years ago (filed, not discharged). . Went to the site and inputted info and got this back (it does say pre-qualified) and was wondering if they are any good. The issuer only extends Amazon Credit Card pre-approved offers via mail or e-mail, or to existing customers through their online account. Link provided: - 5140666 - 2Fico score ~685. Starting Score:=11-20-18 EQ: 640 TU: 492 EX: 621. At least that was the case for me. This credit card program is issued and administered by Credit One Bank, pursuant to a license from American Express. Different credit cards will have different minimum. 0% intro APR on purchases for 12 months from. 2 Kudos. You’ll then be presented with a list of cards matched to your credit profile. Apply today and start earning rewards and cash back. At the time of application for BCE my exp fico was 734 with 3-4% uti. 24 equal monthly payments on select purchases 9. However, premium cards like the American Express Gold card generally require good to excellent credit. Head to the Bank to Find Potential Offers. At this point American Express said I was pre-qualified for Amex EveryDay® Credit Card, American Express® Gold Card, and the Blue Cash Everyday®. Sign up now for your complimentary ShopRunner membership, courtesy of American Express. 24% APR. Pre-qualification doesn’t guarantee approval, but it does give you. Get started View details. I previously had AMEX Gold account that was closed in good standing in 2014 paid in full that I had originally opened in 1987. After reading your story, I went to the AMEX prequal and they did not have any offers for me so I'm reluctant to pull the. Find the best credit card by American Express for your needs. Established Contributor Mark as New; Bookmark; Subscribe; Mute. Hello ficoforums quick question. [Z17#MëÅ~h •Í n =iµ~ : cÜÐ ¿þüûo Á¸û ´l‡Óåöx}~O¾YúýïÏ V³]3Ú&Ð8yˆî~ñ8öKÞq9Ñ Î” '‰4 pPR›«ý3SûÞÇŸ ÷. S. For example, the higher the credit score, the more likely a company will get approved on its. com’s Best Hotel Credit Cards of 2023: Wyndham Rewards Earner® Plus Card: Best for gas. 5/10. It does not guarantee approval, but it does indicate that you have a better chance of getting the card you want. Use a pre-approval tool: Many card issuers offer pre-approval or pre-qualification tools that can give you a good idea of whether or not you’re eligible for their credit cards. I opened my first Amex card, an Amex gold on 10/14. Minimum monthly payments required. Earn unlimited 2% cash rewards on purchases. A 3% fee applies to all balance transfers. AMEX does have certain immutable disqualifiers for approval like a recent BK reporting but a CO reporting isn't one of them. ZERO INTEREST . According to Equifax, one of the three main credit reporting bureaus, that means you’ll. Personal Cards to help consumers apply with confidence, especially those who are unsure if they’ll qualify for a Card. 99% Variable APR thereafter. Bruh $700 for a credit card. 707. Wherever life leads. Suite 350; Rye, NY 10580-1426; ABA Routing Number: 221981063; Contact Us +1 (800) 431-2754; memberservices@usalliance. If you're pre-qualified, it is a good chance of approval for this specific card. Only $1k but I'm ok with that. 99% on purchases of $500 or more for 6 months or $1000 or more for 12 months or $2500 or more for 24 months made with your IKEA Projekt Credit Card. Submit Cancel. Explore. The Gold Delta and 2 of the Hilton cards. After the intro APR offer ends, a Variable APR that's currently 18. I saw that I was “Pre-Approved” for all the charge cards. JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4. USALLIANCE Financial. So I was casually scrolling though the AMEX website (non incognito) this morning and saw the 100K offer pop up for me. Soft-pull PREAPPROVALs - Updated 4/20/21. 0 /5. This credit card program is issued and administered by Credit One Bank, pursuant to a license from American Express. Rates & Fees. Curious to hear everyone's thoughts. They basically gave me the same answer every time: Our evaluation of the inquiries on your credit rep. I'm sure the preapproval is accurate. Total current Utilization among all accounts- 20%. One place to check for American Express prequalified and preapproved offers is on CardMatch™, a tool offered here on CreditCards. 15% to 31. Easily check if you are prequalified for a credit card offer from Wells Fargo with no impact to your credit score. So I been itching to apply for Amex(I would like to apply in January for one) and not sure if I will be approved my Inq's are what worry me, here is what my Credit looks like: Experian Fico:767 Revolving Credit to Debt: 1%(135/13000) Paid in full every month 5 days after statement cuts. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary. FYI, I did a little research and called their reconsideration line (800-567-1083). My advice is dont let the prequal rule your mindset. Show Benefits. Open the main menu. There's two different links for Amex prequal. I currently don't have amex but I did try this a few months back and I was denied. Find out which. Went over to the Amex pre-qual site and fi. This can make the prequalification process easier. March2010 FICO® ~ 695 TU, 653 EQ, 697 EX. Instead, you can view our full offering of Citi credit cards here. There is no limit to how much we'll match. Other things to know: 0 percent intro APR on purchases for 12 months and 21 months on balance transfers, then a variable APR of 15. This can help you filter and compare pre-qualified offers for The Platinum Card® from American Express and the American Express® Gold Card — and in some. Explore Offers. Submit Cancel. The rates are listed as variable 13-23%, so idk wh. Interest will be charged to your Account from the end of the promotional period on any remaining promotional plan balance. The Federal Trade Commission provides 2 options to opt-out of getting pre-approved offers: To opt-out of pre-approved credit card offers for 5 years, you can call toll-free 888-5-OPT-OUT (888-567-8688) or visit optoutprescreen. I ran out of patience and wai. Best for Cash-back business card. Citi Bank. 3% cash back on a category of choice (gas, online shopping, dining, travel, drugstores or home improvements and furnishings) 2% cash back on grocery store and wholesale club purchases. We've had multiple members here over the last few years report successes with both paid and unpaid chargeoffs that aren't as old as yours is. So, Creating YET another thread here. The simple answer is “no,” but the full picture gets a bit more complicated. So, I just settled my last negative account a few weeks ago, and it finally reflected on my reports about a week ago. S. I did try for my first CLI last month and was denied. After the intro APR offer ends, 18. Not every credit card is eligible for preapproval and you will. A soild APR is almost always a win. Re: New AmEx Pre-Qualify Tool for Business Cards Nothing for me either--as I'm pretty sure I'm at max exposure for my reported income also. This will result in. - The Mercedes-Benz Credit Card from American Express (10k MR for $1000), 15. Also as you found out, AMEX will occasionally do a double pull on EX and TU. Top features. wherever Mastercard is. To do so follow these directions: Click “Product And Services” in the header. Exceptionally clever marketing, offering a unique card design, (supposedly) fabricated from metal from an retired aircraft and including a cargo-container's worth of. I have been stalking the Amex pre-qualify site for MONTHS and of course they never had any offer for me. Chase "too many applications for credit. I did an Amex prequal earlier and was shocked that I had an offer for the Platinum card. (To be crystal clear, even if FNBO's prequalification tool "prequalifies" or "preapproves" you based on a "soft pull" of your credit report, an actual application for an FNBO credit card will (always) result. Chase slate (AU) - $3,000. Apply Now, or Login to manage your account. com. 99% APR (Variable) APR. Annual Fee $0. 99% on purchases of $500 or more for 6 months or $1000 or more for 12 months or $2500 or more for 24 months made with your IKEA Projekt Credit Card. 24% on balance transfers and purchases after the introductory period ends. 24% APR to 18. American Express cards: Your 4-digit code is located on the front of your card, just above the embossed card number. 24% APR to 18. Obviously no guarantee you’ll see this offer, in fact I imagine most people won’t. 6/2019 - Prequal Cash Magnet - approved $1K (and immediately approved for 3X CLI) 9/2019 - Preapproved BCP - approved $2200. AMEX prequal page is not 100% ironclad and there have been denials, even without a history of ever burning them or being on a blacklist. Experian Fico 8. You can prequalify for the Capital One Platinum Secured Credit Card in about a minute by filling out a short form. Post FRB, charged another ~$1000 and paid off immediately. Click “Credit Cards” in the drop down menu. If you’re a frequent traveler looking for a low maintenance travel credit card with no annual fee, the Bank of America® Travel Rewards. Message 4 of 15. JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4. 18. $200 cash bonus (20,000 points equivalent) when you spend $1,000 within the first 3 billing cycles after account is opened. So I was casually scrolling though the AMEX website (non incognito) this morning and saw the 100K offer pop up for me. . Your Card will never be charged a membership fee. Select ‘Macy’s Credit Card’. Message 8 of 8. The pre-qualification process starts by heading to the Credit One website. A 33% discount on flights and hotels trumps earning an extra 2%. Enroll Now. "some DP, I applied and got approved for NFCU MR Amex and Chase Amazon Prime on same day. Click "Just for You" in the "Explore Products" section. Minimum payments are required for each. Build your credit with responsible use. To avail the pre-approved offer, you must create an American Express Business Blueprint™ account using your American Express username and password. Re: AMEX Prequal site As long as there is no BK in the past 5 years, no previous bad experience with Amex, and your Experian FICO 08 scores are decent (mid 600s), those should be very solid offers. The Delta SkyMiles Business AMEX was my most recent acquisition as well -- I fell for the 747 promotion, at the last possible moment, before the offer expired. If not, consider Amex Biz charge cards - Biz Plat 100k, Biz Gold 50k, Biz Green 25k. Bank. Discover the benefits a Citi Home Depot Credit Card has to offer. 01, 2023. I have 4 Amex cards (Plat, PRG, Blue, SPG) and I'm an AU on an ED - I have more than enough Amex cards at the. I'm currently on the Amex blacklist due to BK13, discharged in March 2017. While you can, the value is terrible for it, which is why u/rickdrist said:When the platinum offers were going wild about a month ago, I took a look at the pre-qual section of Amex to see whether any of them would give me the 'you're pre-approved' verbiage and to my surprise at 670-80 score every card I checked (including platinum) was pre-qualed. Howdy all, Got a mailer today and checked the AMEX pre-qual link . You should be good if you're pre-qualified and especially if your score is above 670, but ppl have qualified with lower scores. Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment. [Z17#MëÅ~h •Í n =iµ~ : cÜÐ ¿þüûo Á¸û ´l‡Óåöx}~O¾YúýïÏ V³]3Ú&Ð8yˆî~ñ8öKÞq9Ñ Î” '‰4 pPR›«ý3SûÞÇŸ ÷. When you enter your information, we check your credit (without impacting your score) to see if you’re prequalified for any of our partner cards and if you qualify for any. Open menu Open navigation Go to Reddit Home. As with pre-qualification, the pre-approval process can be done online at the American Express website. I applied and got approved. So finally after a year and 4 months of hard work finally pre-qualified for 3 Amex cards. To pre-qualify for an Amex credit card, you need to visit their pre-qualification page and enter information such as: The last four digits of your Social Security number (SSN). Yes, American Express does have pre-approval. Thought about waiting another week for another card that's paid off to show zero before applying, but. S. Click “Check for Pre-Qualified Offers”. An authorized user has a thin file. S. The Annual Fee that you pre-qualify for will be determined based on our review of your credit profile. I had burned Amex for $1,200 in a 2015 CO. 5 flash sale Delta flights transferring 1 to 1 in their currency. the Citi card was the most recent about a month ago. Current Score:=03-02-21 EQ: 657 TU: 682 EX: 689. Updated: November 14, 2023. Live your life, your way, with the unsecured Fortiva ® Credit Card. I thought it was a mistake with my credit profile being what it is, but I app'd anyway. By checking this box, you agree that you have read and consent to "Electronic Communications" in the consent form activated by clicking the plus sign above which provides information about your pre-approval, and if approved, your Discover card account disclosures electronically rather than by paper. "Applying to expand your membership with us is easy". I had burned Amex for $1,200 in a 2015 CO. 99 9. No, Citi cannot pre-qualify you for a credit card at the moment. So today I applied for the Platinum and was declined. People with high credit scores, a positive credit history, and high income can typically qualify for more kinds of credit. N/A. Is that 125k SUB enough to get me off t. 705. You may use the “See if I pre-qualify” button, which will not impact your credit score, as an indication if you may qualify. I went to AMEX to try and prequal for a travel card and they offered me a green card. posted 5/14/20. An email address is required for all requests. Credit Intel – Financial Education Center; Supplier Diversity; Credit Score 101; US Newcomers; Frequently. 0% of each transaction in U. and receive your. To check for a pre-qualified offer on an issuer’s website, you just enter a few pieces of personal info and press a button. See if I’m pre-approved. By clicking 'See Card Offers' button below, you (i) acknowledge that you are providing 'written instructions' and authorize Credit One Bank to obtain information from your personal credit profile from one or more credit reporting agencies in order to conduct a pre-qualification for credit and (ii) you authorize. The difference between credit card preapproval and credit card prequalification can be tough to pin down, even for credit experts. Message 7 of 15. Annual fee: $550. ". S. Citi Double Cash® Card. If you have pre-qualified offers, you can apply for the card. Date of Birth (MM/DD/YYYY)*. Re: List of companies with pre-qualify / pre-approval options ! So you do not waste precious inquiri. If you are considering the Delta card, I would strongly suggest either getting a referral from a friend or family member or waiting until. Discover. ”. One place to check for American Express prequalified and preapproved offers is on CardMatch™, a tool offered here on CreditCards. 3x points per $1 spent on airfare, hotels, and car rentals. Looking to guage my approval odds for the Delta AMEX Platinum card (now), and for feedback on how realistic a goal of attaining AMEX Gold charge card would be in Jan 2020. Plus the only thing I might qualify for anyway would be charge cards b/c I now have 5 revolvers. Hilton Honors American Express Card: Best for Hilton Honors Silver status. Try to get additional cards from other companies, try Amex prequal and the Apple CardI finally (!) got in with AmEx in December. They were the Gold Card, Blue Cash. Delta SkyMiles® Gold American Express Card - best for occasional delta flyers. You can see these offers on tools like. Best. The best pre-qualified credit cards of 2022. To check for a pre-qualified offer on an issuer’s website, you just enter a few pieces of personal info and press a button. So. Current American Express customers. If you prefer to seek preapproved or prequalified credit card offers individually, follow these steps: Visit the card issuer's website and locate the prequalification or preapproval page. But if you decide to submit an application for any Navy Federal card, the issuer will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score. Then it was showing bc and the blue card also 1 more can't remember them. See rates, rewards, fees, and other cost information. 74% (Variable) $0. " (Language from the site. This triggers a hard credit bureau inquiry and a credit decision. Re: Amex Pre-Qualify. 30. Use the credit card finder and apply online. Submit Cancel. - 4855609I was very surprised when I went to AMEX preQual page and put in the info. e. So I was lucky enough to receive a Prequal offer of 150,000 Rewards points in the first 6 months. Credit card. You may. Best for Cash-back business card. Popped my info in while not logged in (not even in an incognito. How to pre-qualify for an American Express card. Call now. Both will determine whether you are eligible to be a cardholder, but a prequalification is typically generated by the member, while the. Searching for a credit card is hard, but CardMatch™ is here to help make it easier for anyone—no matter your credit score, history or experience with credit cards. The American Express Blue Business Cash™ Card. 6k - Chase Bonvoy Boundless $10k - Chase United Club Infinite $26k - Citi DC $14. I need to stop checking prequalify links my friends. People with high credit scores, a positive credit history, and high income can typically qualify for more kinds of credit. Re: Amex - Offers. Other Benefits and Drawbacks: The Hilton Aspire Card is the only hotel credit card we’re aware of that offers automatic top-tier status. Best preapproval card welcome bonus Discover it® Cash Back. Good anywhere Mastercard ® is accepted, it’s the go-to card for any lifestyle. it was instant approval. 0 from TransUnion was 670-ish. I am an AU on Wife's personal Gold that is 3 months old. Being Pre-Approved for a credit card can help increase your chances of getting approved for a credit card. N/A. Prescreened offers show up in your mailbox because lenders are working to identify consumers who qualify for. Instant Card Number‡, if eligible. Simply fill in your name, address, Social Security number, desired card benefits, and credit level (excellent, average, or rebuilding). on American Express' website. . In fact, doing so can protect your credit score. Sorry that you were denied again --probably best to wait until you've reduced balances and have fewer inquiries. 99% - Plus what appears to be every Delta and Hilton card, but many of them have APR ranges or tiers listed so that is likely just marketing. So I already have an AMEX card (Delta Platinum), however I’m thinking about ditching it for an actual MR card. It was my first Amex card @ 20 years old, maybe since it’s a charge card and it needs to be PIF at the end of the statement period. Re: New AmEx Pre-Qualify Tool for Business Cards. I always recommend Amex blue cash to newbies with decent income. You just need to enter basic personal information such as your name and address, as well as the last four digits of your social security number to check your offers. We invite you to apply for one today. Both pre-qualified and pre-approved credit card offers usually result from a credit card company working with a credit bureau to look at your basic credit information. 5 point redemption on all flight and hotel purchases. Good to excellent credit required. Contactless Cards – The security of a chip card, with the convenience of a tap. 7k - Chase Amazon $13. Step 2: Click on “Check for Offers”. You can prequalify for the Capital One Platinum Secured Credit Card in about a minute by filling out a short form. Earn unlimited 2% cash rewards on purchases. Message 10 of 25. When you’re prequalified for a credit card through a financial institution like us, it means we’ve screened whether you can become a cardholder. Every day. Active:CreditCards. Choose between travel, cash back, rewards and more. I also had no prequal on Amex site and denied Chase Freedom on that same day. / /. Calls and messages may incur access fees from your cellular provider. I just happened to be checking pre-qual sites for kicks and pre-qual'd for an AMEX Gold. Filling out the online form is definitely the easiest way to get prequalified for a Citi card — but it’s not the only one. But there are times when they need a bit longer to access the required information and make a decision (up to 30 days). Prime Rate. What credit score do I need to prequalify? You’ll need at least a good credit score of 640 or higher to prequalify for USAA’s credit card options. As no prequal is ever set in stone. Accept Amex Cards; Refer A Friend; Additional Information. Message 3 of 27 2 Kudos CivalV. Just Go! Earn Unlimited 3x points per dollar spent on travel, dining and gas2 and 1 point per dollar you spend on everything else. The hotels have to be booked on amextravel which limits price. . Stated I was pre-qual for an AMEX gold and other cards. ago. Just because you dont have a prequal doesnt mean you cant be approved. A pre-approval for a Line of Credit indicates that you meet initial eligibility criteria but is not a guarantee of approval. American Express, a premier financial institution, extends a diverse portfolio of services, inclusive of credit, debit, and charge cards, augmented by an assortment of travel-related provisions. If you aren’t offered an introductory rate. S. See our full range of credit card offerings here. No guarantee it will work for you, but might be worth trying if you're interested in that offer. Sorry that you were denied again --probably best to wait until you've reduced balances and have fewer inquiries. Pre-Approval Denied. Add your new actual Card number to your digital wallet, like Apple Pay, Samsung Pay, Google Pay, Fitbit Pay, PayPal, or Amazon Pay on. S. Credit Cards. Either way, you'll receive your Barclays card in the mail within approximately 7-14 days or a letter informing you that you have not been approved. 28. BankAmericard® credit card: 0% Intro APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days of opening your account. The 2% cash back would be great, but I'm more interested in MR points at this stage in the game. Not all card issuers offer online prequalification, but many do. Credit card applications originating from this page will result in a hard credit inquiry. 30. Not interested in charge card. Amex Blue Business Plus $9,000, since 2018. Tonight it said I prequalified for delta sky miles gold, blue, and platinum. Once you're a member of American Express you have access to all the cards your credit scores and income support. You’ll have time to fully review all the Terms & Conditions of your offer before you apply. Alternative Link for Amex Enhanced Offers (Pre-Qualified) TL;DR Amex chat rep provided the link below to pull up Amex pre-qual offers (slight spelling variations to avoid login prompt) that I wasn't able to pull up on the standard "check for offers" page. the credit card section of the chase website, this is the third link in the left sidebar (screenshot below). 00% APR and will vary with the market based on the U. By clicking "Submit", I signify my assent to submit this application on behalf of my selected Dealer to GM Financial, 801 Cherry Street, Suite 3500, Fort Worth, Texas 76102, and my intent to sign this prequalification application to the same extent as if I had executed this prequalification application using my written signature. Also, you can log into your current account and look at the list of "Offers. Membership confers considerable advantages, incorporating distinctive rewards, preferential pricing structures, seamless customer service, and an array. Expand user menu Open settings menu. American Express® Gold Card: Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new card within the first six months of card membership.