Wouldn't it be great to know if you're approved for a credit card before applying for one? Now that American Express has a tool to apply with confidence, that dream may be closer to reality.

I will walk you through how it works, where you can see it and an evaluation of how useful it is in this guide.

American Express 'Apply with confidence' tool


Before applying for an American Express card, you can use the "Apply with confidence" tool. If you agree to the terms and fill out the application, you can be approved. Your credit is pulled to see if you'll be accepted. American Express will pull your credit if Amex says you should be approved.


If this feature is available during your application, you will see information about it on the first page, above the fields where you fill out your personal information to begin the application. There are disclosures on the page that will let you know if you're approved without affecting your credit score.


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Your credit scores are related.

Availability of the new feature


The tool is meant for first time applicants for an American Express card and should be available online and on the phone. It will be useful for consumers who aren't sure if they will qualify for a card.

If you log in to your American Express account you will not be able to use this feature.

How useful is this tool?

This new feature won't have much value for those who already have an American Express card. American Express doesn't do a lot of hard inquiries on existing customers when it comes to approving them for another credit card. The tool is not intended for these people.

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This tool can be useful if you don't have an American Express account at the moment. If you have an inquiry on your credit report, you can cancel the application before it's too late.

The Amex pop-up tool is used to determine eligibility for a welcome offer. This new feature determines if you will be approved for a new account.

Bottom line

The new feature is called "Apply with confidence." It isn't available on all cards at the moment.

If it's available during your application, you can know if a hard pull will affect your credit report and credit score.

Prospective applicants should be able to access this new tool through partners' websites, which would apply to credit cards from brands like Delta andHilton.

We would like to see more banks use this feature.