Amex released a new feature called “Apply With Confidence”. You will now get a 100% guaranteed approval for any Amex personal card with only a soft pull (a soft pull has no impact on your credit score). Only once you’re approved and agree to accept the approval will Amex pull your credit with a hard pull.
When applying for any personal Amex credit card, Amex will not do a hard pull on your credit report until they 100% guarantee that you will be approved. Once you’re approved you can choose to accept the card. Only once you choose to proceed, will Amex do a hard pull on your credit report.
The new application experience is currently available for individuals applying for a U.S. Personal Card via or by calling American Express, and is not available if you apply for a Card after you log into an existing Card Member Account.
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Many people are afraid to apply for credit cards as they are concerned they will get declined and it will result in a credit pull on their credit report for nothing. With Apply With Confidence, Amex is giving everyone a chance to apply for an Amex card without being concerned of damaging their credit.
Want to try to apply for an Amex card and see if you are approved with no credit score impact? Check out Amex personal credit cards [here]
With Apply With Confidence, you will know if you’re approved for an American Express personal Card with no impact to your credit score. If you’re approved and choose to accept the card, your credit score may be impacted.
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| Bank Name | Reports | Back Dates |
|---|---|---|
| Amex | ✅ | ❌ |
| Barclay | ✅ | ✅ |
| Bank of America | ✅ | ✅ |
| Chase | Sometimes | ✅ |
| Citi | ✅ | ✅ |
| Capital One | ✅ | ✅ |
| Discover | ✅ | ✅ |
| HSBC | ❌ | ❌ |
| US Bank | ✅ | ✅ |
| Bank | Minimum Payment Calculation |
|---|---|
| American Express Personal | The greater of these: $40, 2% of the balance excluding interest and fees*, 1% of your balance plus interest and fees* |
| American Express Business | The greater of these: $35, For a balance of $0-$25,000: 1% of the balance plus monthly interest and fees*, For a balance of $25,000-$75,000: 5% of the balance plus monthly interest and fees*, For a balance over $75,000: 10% of the balance plus monthly interest and fees* |
| Bank Of America | The greater of these: $25, or 1% of the full balance plus the monthly interest and fees |
| Barclay Bank | The greater of these: $27, or 1% of the full balance plus the monthly interest and fees |
| Capital One | The greater of these: $25, or 1% of the full balance plus the monthly interest and fees |
| Chase | The greater of these: $25, or 1% of the full balance plus the monthly interest and fees |
| Citi | The greater of these: $25 or 1% of the full balance plus the monthly interest and fees, or 1.5% of the full balance |
| Discover | The greater of these: $35, or 2% of the full balance or $20 plus the monthly interest and fees |
| Santander | The greater of these: $25, or 1% of the full balance plus the monthly interest and fees |
| Synchrony | The greater of these: $25, or $35 if you had any late payments within the last six months, or 1% of your full balance plus the monthly interest and fees |
| Us Bank | The greater of these: $30, or 1% of your full balance plus the monthly interest and fees |
| Wells Fargo | The greater of these: $15, or 1% of the full balance plus the monthly interest and fees |
| Bank Name | Reports | Back Dates |
|---|---|---|
| Amex | ✅ | ❌ |
| Barclay | ✅ | ✅ |
| Bank of America | ✅ | ✅ |
| Chase | Sometimes | ✅ |
| Citi | ✅ | ✅ |
| Capital One | ✅ | ✅ |
| Discover | ✅ | ✅ |
| HSBC | ❌ | ❌ |
| US Bank | ✅ | ✅ |
| Rating | Credit Score Range | Description |
|---|---|---|
| Poor | <580 | This credit score is well below the average score of U.S. consumers and demonstrates to lenders that the borrower may be a risk. |
| Fair | 580-669 | This credit score is below the average score of U.S. consumers, though many lenders will approve loans with this score. |
| Good | 670-739 | This credit score is near or slightly above the average of U.S. consumers and most lenders consider this a good score. |
| Very Good | 740-799 | This credit score is above the average of U.S. consumers and demonstrates to lenders that the borrower is very dependable. |
| Exceptional | 800+ | This credit score is well above the average score of U.S. consumers and clearly demonstrates to lenders that the borrower is an exceptionally low risk. |
| Very Poor | Poor | Average | Good | Very Good | Excellent |
|---|---|---|---|---|---|
| 579 | 619 | 679 | 719 | 779 | 800+ |
| 578 | 618 | 678 | 718 | 778 | 799 |
| 577 | 617 | 677 | 717 | 777 | 798 |
| 576 | 616 | 676 | 716 | 776 | 797 |
| 575 | 615 | 675 | 715 | 775 | 796 |
| 574 | 614 | 674 | 714 | 774 | 795 |
| 573 | 613 | 673 | 713 | 773 | 794 |
| 572 | 612 | 672 | 712 | 772 | 793 |
| 571 | 611 | 671 | 711 | 771 | 792 |
| 570 | 610 | 670 | 710 | 770 | 791 |
| 569 | 609 | 669 | 709 | 769 | 790 |
| 568 | 608 | 668 | 708 | 768 | 789 |
| 567 | 607 | 667 | 707 | 767 | 788 |
| 566 | 606 | 666 | 706 | 766 | 787 |
| 565 | 605 | 665 | 705 | 765 | 786 |
| 564 | 604 | 664 | 704 | 764 | 785 |
| 563 | 603 | 663 | 703 | 763 | 784 |
| 562 | 602 | 662 | 702 | 762 | 783 |
| 561 | 601 | 661 | 701 | 761 | 782 |
| 560 | 600 | 660 | 700 | 760 | 781 |
| 559 | 599 | 659 | 699 | 759 | 780 |
| 558 | 598 | 658 | 698 | 758 | |
| 557 | 597 | 657 | 697 | 757 | |
| 556 | 596 | 656 | 696 | 756 | |
| 555 | 595 | 655 | 695 | 755 | |
| 554 | 594 | 654 | 694 | 754 | |
| 553 | 593 | 653 | 693 | 753 | |
| 552 | 592 | 652 | 692 | 752 | |
| 551 | 591 | 651 | 691 | 751 | |
| 550 | 590 | 650 | 690 | 750 | |
| 549 | 589 | 649 | 689 | 749 | |
| 548 | 588 | 648 | 688 | 748 | |
| 547 | 587 | 647 | 687 | 747 | |
| 546 | 586 | 646 | 686 | 746 | |
| 545 | 585 | 645 | 685 | 745 | |
| 544 | 584 | 644 | 684 | 744 | |
| 541 | 583 | 643 | 683 | 743 | |
| 540 | 582 | 642 | 682 | 742 | |
| 539 | 581 | 641 | 681 | 741 | |
| 538 | 580 | 640 | 680 | 740 | |
| 537 | 639 | 739 | |||
| 536 | 638 | 738 | |||
| 535 | 637 | 737 | |||
| 534 | 636 | 736 | |||
| 533 | 635 | 735 | |||
| 532 | 634 | 734 | |||
| 531 | 633 | 733 | |||
| 530 | 632 | 732 | |||
| 529 | 631 | 731 | |||
| 528 | 630 | 730 | |||
| 527 | 629 | 729 | |||
| 526 | 628 | 728 | |||
| 525 | 627 | 727 | |||
| 524 | 626 | 726 | |||
| 523 | 625 | 725 | |||
| 522 | 624 | 724 | |||
| 521 | 623 | 723 | |||
| 520 | 622 | 722 | |||
| 519 | 621 | 721 | |||
| 518 | 620 | 720 | |||
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| 500 |
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