Does Amex Do a Hard Pull for a Business Credit Card?

The Amex EveryDay does a hard pull on your credit when you apply for it. You will need good or excellent credit to get approved. Although American Express doesn’t specify any minimum credit score requirements, you’ll need good credit to qualify.
American Express is lowering interest rates for cardholders impacted by the coronavirus. You can contact Amex to discuss your options. An American Express business card doesn’t report to the consumer credit bureaus. It will only report if your account reaches delinquent status.

Once you choose a card and submit an application, American Express will make a soft credit inquiry. This doesn’t impact your credit score. Consumers Can Apply for an Amex Credit Card With Confidence without worrying about getting denied and having another hard inquiry.

American Express typically conducts a hard credit pull for applicants and looks for a FICO score of 670 or higher. That said, Amex considers income, debt-to-income ratio, payment history, and overall credit utilization. Applying with a higher FICO score will increase your chances of getting approved and may help qualify for better terms.

You will generally need to have very good or excellent credit to be approved for an Amex business card. In particular, your consumer credit score will usually need to be 740 or higher to have a competitive application. Business credit cards are designed for use by businesses, to keep business and personal expenses separate for bookkeeping and tax purposes.

Amex will perform a credit check with consumer and business credit bureaus. Getting the American Express® Business Gold Card isn’t difficult if you have a credit score of at least 670, consistent income, and positive payment history with at least one other card.

You can contact Amex online via its chat tool or call 1-866-703-4169 to discuss your options. See Business Insider’s list of the best credit cards with intro APR offers.

The American Express credit score requirement is at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.

American Express uses all three major credit bureaus (TransUnion, Equifax, and Experian) in order to assess your creditworthiness.

Remember, each credit bureau may have slightly different data, so it’s essential to regularly monitor your credit reports from all three bureaus to ensure accuracy and stay on top of your financial health.