AmEx business card question?

Suzette2 · ‎07-05-2022

Does anyone know if you decide to obtain a AmEx business card if they do a SP or HP? I have 2 personal cards already. Thx in advance.

6/20 :

12/22 :

MrT_521 · ‎07-05-2022

Different people have had different experiences with this. Personally, I got a hard pull for the 1st Amex business card and another hard pull for my first personal card. Any subsequent applications have not been hard pulls.

Personal Cards

Citi CashReturns (June 2009): $1,700 Limit

Chase Freedom (April 2013): $4,100 Limit

Discover (September 2015): $19,200 Limit

Capital One QuickSilver (June 2017): $10,000 Limit

Citi Double Cash (August 2017): $12,500 Limit

Chase Amazon Prime (November 2017): $2,300 Limit

Chase Freedom Unlimited (May 2018): $20,000 Limit

HSBC Cash Rewards (December 2019): $2,500 Limit

Citi Rewards+ (January 2020): $3,300 Limit

SDFCU Premium Cash Back+ (May 2020): $13,000 Limit

United Gateway MileagePlus (February 2021): $20,000 Limit

BlockFi Bitcoin Rewards (August 2021): $15,000 Limit

Chase IHG Premier (November 2021): $5,000 Limit

American Express Green Resy (March 2022): No Preset Spending Limit

Citi Premier (September 2022): $11,000 Limit

Business Cards

Chase Ink Cash (November 2019): $1,001 Limit

Chase Ink Preferred (March 2020): $8,999 Limit

American Express Amazon Prime Business (November 2021): $6,000 Limit

American Express Business Platinum (January 2022): No Preset Spending Limit

American Express Business Green (March 2022): No Preset Spending Limit

American Express Blue Business Plus (April 2022): $20,000 Limit

Barclays AAdvantage Aviator World Elite Business Mastercard (May 2022): $2,000 Limit

American Express Business Platinum (June 2022): No Preset Spending Limit

Barclays JetBlue Business (June 2022): $1,000 Limit

Chase United Club Business (August 2022): $15,000 Limit

Debit Cards

Crypto.com VISA Debit Jade Green (May 2021)

American Express Business Debit 1 (September 2022)

American Express Business Debit 2 (December 2022)

FICO 8 Scores (as of Dec 14, 2022)

SouthJamaica · ‎07-05-2022

@Suzette2 wrote:
Does anyone know if you decide to obtain a AmEx business card if they do a SP or HP? I have 2 personal cards already. Thx in advance.

It's almost always a soft pull for people who already have an Amex card.

Since your post relates to a business card, you should ask a moderator to move this to "Business credit".

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 684 EX 685

FISHintheTank · ‎07-05-2022

My first Amex personal is a hard pull. Another hard pull when applying for the business. After that I apps for another personal and business with a soft pull. Those two apps is on July 3rd. I think if your credit profile doesn't change much, it might be a soft pull. Good luck.

babygirl1256 · ‎07-07-2022

@Suzette2 My second personal Amex card and my first business Amex card were both soft pulls since I already had an Amex card.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850

RealEstateGuy89 · ‎07-07-2022

@Suzette2 wrote:
Does anyone know if you decide to obtain a AmEx business card if they do a SP or HP? I have 2 personal cards already. Thx in advance.

I have 2 personal and 2 business AMEX cards and all were SP, except for the very first one.

GatorGuy · ‎07-07-2022

In the majority of cases your first card with Amex will be a HP and all following card will be SPs. There are exceptions but you'll never know if that is you till you apply.