Awesome: Amex “Apply With Confidence” Feature

Awesome: Amex “Apply With Confidence” Feature

16
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers (terms apply) that we have found for each product or service. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out our advertiser policy for further details about our partners, and thanks for your support!

American Express seems to be rolling out a pretty awesome feature for card applications, which I think will put many at ease when applying for cards.

Know if you’re approved for Amex card without hard pull

American Express is progressively rolling out a new “Apply With Confidence” feature, whereby you’ll know if you’re approved for a card with no impact on your credit score.

The Amex “Apply With Confidence” feature

As it’s described, this is intended to create more transparency. Here’s how the process works:

  • You’ll first submit your card application, including sharing your personal details, and agreeing to the terms & conditions of the application
  • After submitting your application, you’ll get a decision, without a hard pull on your credit
  • After you’re approved for your application, there may be a hard pull that could have an impact your credit
The Amex “Apply With Confidence” feature

It seems that Amex started to roll out this feature within the past few months, but with lots of limitations, depending on the card type, browser you’re applying from, IP, etc. Personally I just saw this for the first time, while pulling up the application for the Marriott Bonvoy Brilliant™ American Express® Card (review).

Now that I look at other Amex card applications as well, I’m noticing this feature on a majority of cards, which is awesome. Of course, “your mileage may vary,” as there seem to be a lot of factors going into this.

This is a smart and helpful initiative

The “Apply With Confidence” concept is a great idea that will put a lot of people at ease when applying for an American Express card. Interestingly this has been a consistent feature on the Apple Card since launch, as you’ve been able to know whether you’ll be approved without a hard pull.

In general I tend to think applying for Amex cards is probably the best process you’ll find with any issuer:

  • I appreciate Amex’s application pop-up feature, that tells you if you’re not eligible for the bonus on a card
  • Anecdotally I find Amex cards easiest to be approved for, whether a personal or business card, assuming you follow the standard application restrictions
  • If you’re an existing cardmember, I find that Amex often doesn’t even do a hard pull when you’re applying for a card, since the issuer often makes decision based on existing info on file

While I’d say this is a great development, personally I’ve never considered a hard pull from a credit card application (whether I get approved or denied) to be a huge deal. I know some people are worried that applying for a card will hurt their credit score — while you may be dinged a few points, that shouldn’t be a big issue in the scheme of how credit scores are calculated, at least assuming you have a great score. Furthermore, getting approved for cards can greatly help your credit score in the long run.

Lastly, there is one aspect of this that confuses me — what’s the point of a hard pull after being approved? I suppose the approval is on some level conditional and subject to change, if a hard pull reveals some major red flags, or what’s the point of the hard pull after making a decision?

Bottom line

Amex seems to be rolling out an “Apply With Confidence” feature, whereby you’ll get a decision on your card approval before there’s a hard pull to your credit. This is an awesome feature that will make many people more comfortable with applying for new cards. Between this and Amex’s pop-up feature, plus Amex’s generally easy card approval, Amex is my favorite issuer when it comes to the application process.

What do you make of this Amex feature? Have any OMAAT readers experienced this while applying?

Conversations (16)
The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
Type your response here.

If you'd like to participate in the discussion, please adhere to our commenting guidelines. Anyone can comment, and your email address will not be published. Register to save your unique username and earn special OMAAT reputation perks!

  1. Dave Guest

    Amex terminated my account due to autopayment still being set to a closed account. They took with them over $2000 in Amazon Points and over 300,000 Amex points.

    Don't get screwed.

    1. Eskimo Guest

      Care to explain more? Amex are known to shutdown accounts but your story sounds off.
      Did you autopay 'from' a closed bank account or 'to' a closed credit card account?
      The former means you probably owe them money, and because you made the mistake they can seize their points per t&c.

      And what on earth is Amazon Points?

  2. John Dees Guest

    How do I get approved for the Amex?

  3. rdinsf Guest

    "What’s the point of a hard pull after being approved?". Probably because the rules require a hard pull when someone applies for a credit card. The initial inquiry is somehow probably technically not considered an application - perhaps because even with a positive answer the non-applicant has to say yes, go ahead, I want the card. So the first ping by Amex to the credit bureau is not for an application, but is used for...

    "What’s the point of a hard pull after being approved?". Probably because the rules require a hard pull when someone applies for a credit card. The initial inquiry is somehow probably technically not considered an application - perhaps because even with a positive answer the non-applicant has to say yes, go ahead, I want the card. So the first ping by Amex to the credit bureau is not for an application, but is used for an indication of whether Amex will issue the card. Once Amex says yes, we will issue the card if you want it - the inquiry becomes an application and is coded that way with the credit bureau.

  4. Jules Rosen Guest

    Makes no sense.

    1. Harry Guest

      Makes all the sense in the world. You apply for a card, i.e. Chase, and get denied. You have a hard pull on your credit for zero, nothing. At least if you get approved, your hard pull was for something - the card you applied for. That makes a lot of sense IMO. And don't think some issuer like Chase does not look at the number of hard pulls. I know from experience they do.

  5. TravelTex Guest

    I feel like this has already been in place for Amex for a long time (least for long term members) anyway. Any new card, product change, or upgrade has not come with the respective hard pulls for me for least 5 years.

    It is nice for them to "guarantee" that and not need it. Unlike some unnecessarily pulling all *cough* cap one *cough*

  6. BlackAmex Guest

    Member since 88? What? Did you buy those novelty cards on eBay?

    1. TravelTex Guest

      Amex back dating for authorized users. No longer possible.

    2. Max Thunder Guest

      It is definitely still possible, I've seen it as of some months ago. Authorized user since 2020, first card in 2022, the year on the card is 2020.

    3. TCCQuest Guest

      My Amex card says "Member Since (the year I turned 2)", on all my cards. I in fact, was not a member then.

  7. Ole Guest

    Credit Limit could be one.

  8. ECR Guest

    Just curious, were you logged in to your Amex account when you applied?

  9. AG Member

    I may be missing something, but where does Amex say that there might be a hard pull after approval? The way I read it, "the information we provide to the credit bureau(s) may impact your credit score" seems to simply refer to the fact that adding an additional card account to one's report could affect their score.

  10. Tim Dunn Diamond

    This is a reflection of the much higher quality of credit information that is regularly available even without a hard pull. There is no need to do a hard pull in order to get that information. A hard pull is really a merchant or financial services organization updating your credit file with your own transactions.

    1. Eskimo Guest

      Not going to demand double refunds because banks significantly change approval methods?

      Finding a hard pull as a "surprise" is no way to win friends and influence people.

Featured Comments Most helpful comments ( as chosen by the OMAAT community ).

The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.

AG Member

I may be missing something, but where does Amex say that there might be a hard pull after approval? The way I read it, "the information we provide to the credit bureau(s) may impact your credit score" seems to simply refer to the fact that adding an additional card account to one's report could affect their score.

2
Tim Dunn Diamond

This is a reflection of the much higher quality of credit information that is regularly available even without a hard pull. There is no need to do a hard pull in order to get that information. A hard pull is really a merchant or financial services organization updating your credit file with your own transactions.

2
Max Thunder Guest

It is definitely still possible, I've seen it as of some months ago. Authorized user since 2020, first card in 2022, the year on the card is 2020.

1
Meet Ben Schlappig, OMAAT Founder
4,788,713 Miles Traveled

27,627,500 Words Written

32,315 Posts Published

Keep Exploring OMAAT