Checking your eligibility for an American Express (Amex) card without affecting your credit score is straightforward. When applying, Amex conducts a soft credit inquiry to determine your approval status. A hard inquiry only occurs if you decide to accept the card after reviewing the terms. This feature is beneficial as it allows potential applicants to explore their options without the fear of damaging their credit score. The article outlines the application process, emphasizing that applicants can cancel at any stage before final submission without any credit impact. It also discusses various Amex cards, such as the American Express® Gold Card, detailing their rewards, welcome bonuses, and fees. For those who may not qualify for an Amex card, alternative options like the Credit One Bank Wander® Card and Discover it® Student Cash Back are suggested. Additionally, services like Experian Boost can help enhance credit scores by adding positive payment history to credit reports.
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