Find out if you have been approved for a personal American Express card before it affects your credit score

New York, November 21, 2022–(BUSINESS WIRE)– American Express (NYSE: AXP) announced today that it is piloting a new app experience for its American Personal Cards to help consumers apply with confidence, especially those who aren’t sure if they qualify for a card. . During the application process, selected applicants can see if they are approved without affecting their credit score. If the applicant receives approval and chooses to accept the card, only then may his or her credit score be affected.

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“We know that consumers value transparency and certainty,” says American Express Executive Vice President of Consumer Marketing Sarah Milston. “With our new app experience, prospective Cardmembers can apply for a specific card — and see if it’s approved — without having to worry about whether their application will change their credit score until they accept the card. Hopefully, this new one will be more transparent. Trying the app encourages anyone interested in American Express membership to apply.”

The new app experience is currently available to individuals applying for a USP card at, or by contacting American Express and is not available if you apply for a card after logging into an existing Cardmember account. Here’s how it works:

  • Customers interested in applying for a personal American Express card may visit to view card offers.

  • When applying for a select card, a simple inquiry will be made on the applicant’s credit report and applicants will be told with 100% certainty if they are approved – with no impact on their credit score.

  • If the approved applicant then accepts the card, a difficult inquiry will be made on his credit report, which may affect his credit score.

In the future, prospective Cardmembers will be able to access this new app experience through the websites of the co-branding partners. This app experience will also be provided to our existing Cardmembers who apply for another Personal Card.


American Express is a globally integrated payments company, providing customers with access to the products, insights, and experiences that enrich lives and build business success. Learn more at and connect with us at,,

Key links to products, services and corporate responsibility information: Personal Cards, Business Cards and Services, Travel Services, Gift Cards, Prepaid Cards, Merchant Services, Accertify, Kabbage, Resy, Corporate Cards, Business Travel, Diversity and Inclusion, Corporate Responsibility and Reporting Environmental, Social and Governance.

Location: United States

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