Applying for an American Express (Amex) card can be a strategic move, especially when considering the impact on your credit report. This article outlines how to check your eligibility for an Amex card without incurring a hard inquiry, which can negatively affect your credit score. By filling out the application, you can find out if you qualify through a soft credit inquiry. A hard inquiry only occurs if you choose to accept the card after reviewing the terms. The article also details the various Amex cards available, including the American Express® Gold Card, which offers substantial rewards and a welcome bonus. For those who may not qualify for Amex, alternative cards like the Credit One Bank Wander® Card and Discover it® Student Cash Back are also discussed. Additionally, readers are encouraged to consider services like Experian Boost to improve their credit scores. Overall, understanding these processes can help you make informed financial decisions.
Read the full article here.