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Question By
Go4TheDough

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When applying for an American Express card, will it be a soft or hard inquiry on your credit.

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All credit card companies do hard inquiries when you apply for them. There are some cases where they don't though. I received my AMEX (Bluecash Everyday) without a hard inquiry through a pre-screened offer directly through CreditKarma (this happened early last year).

I have also read that if you already have a card with a company and apply for another one with the same company that they have approved people without doing a hard pull of your credit but I have never heard this in person or can find any actual articles verifying this so I can't say if this actually happens for sure.

Reply by
flamingo723

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The same thing happened to me. i applied for an amex bluecash everyday through a preapproval from credit karma. instantly approved. i have alerts on my credit reports so i know any changes that happen right away, have not been notified that any changes have occurred since applying. i will update if any change occurs.

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