Yes, the Amex Blue Cash Everyday will do a hard pull on your credit report when evaluating your credit card application. You will need a credit score of at least 700 to get it. That means you need good credit or better for approval. If you don’t know where you stand, you can check your score for free, right here on WalletHub.
It is worth noting that when you apply for the Amex Blue Cash Everyday, a soft inquiry will be made on your credit report and you will be told if you are approved. If approved, you can choose to accept the card which will result in a hard inquiry.*
You can also prequalify for the Amex Blue Cash Everyday on Amex's pre-qualification page. This will not affect your credit score as it will be based on a soft pull. And keep in mind that while pre-qualification indicates good odds of approval, it does not guarantee it.
A hard pull usually causes an applicant's credit score to drop by 5-10 points. Most people’s scores bounce back within 3-6 months with responsible credit management, but it can take up to 12 months. You can also check out some tips on how to minimize the credit score damage caused by hard pulls.
*This limited-time new application experience is currently available for individuals applying for a U.S. personal card via WalletHub, on the American Express site, or by calling American Express and is not available if you apply for a card after you log into an existing Card Member Account.
This answer was last updated on 01/15/24 and it was first published on 07/06/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
