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Amex Business Card as a Freelancer

Regular Contributor

Re: Amex Business Card as a Freelancer


@AlexCredible wrote:

@chrizramiscal wrote:
@+1 @TheRationalConsumer

I cold app’d my platinum and then the gold when applied. I didn’t have any prequalifications. After getting the cards, I met MS for both within a week, but I didn’t get any pre-qual until first statement posted but those were for co-branded cards like Hilton and SPG. Just for extra DP: I don’t currently prequalify for any of Amex core revolving credit cards (BC/ED/etc) but I pulled the trigger on the BBP and approved for a $2K limit only, but that’s fine with me as I prefer paying off every time my transactions post, so it’s up to you if you would like to try.

You know, it's all so weird. Before I apped for the Gold I prequalified for the Gold as well as the Everyday and the Blue Cash Everyday. After I applied for and was approved for the Gold, all the other prequalifications went away. First statement on the Gold should post today so I'll check to see if anything changes after I pay.


If you are relatively new to credit and new to Amex, Amex may want you to wade into the pool slowly while you get to know each other. Preapproved/qualified for any one card is not the same as preapproved to have every card simultaneously.

Message 11 of 14
Regular Contributor

Re: Amex Business Card as a Freelancer


@chrizramiscal wrote:
@+1 @TheRationalConsumer

I cold app’d my platinum and then the gold when applied. I didn’t have any prequalifications. After getting the cards, I met MS for both within a week, but I didn’t get any pre-qual until first statement posted but those were for co-branded cards like Hilton and SPG. Just for extra DP: I don’t currently prequalify for any of Amex core revolving credit cards (BC/ED/etc) but I pulled the trigger on the BBP and approved for a $2K limit only, but that’s fine with me as I prefer paying off every time my transactions post, so it’s up to you if you would like to try.

Did you get any hard pulls for the BBP? The thicker your credit file and greater your Amex experience, the greater the chance of Amex extending credit without a hard pull. May or may not matter in the long run, but the thrill of credit with no hard pull has not waned for me yet.

Message 12 of 14
New Contributor

Re: Amex Business Card as a Freelancer

Yeah my guess is that profiles that are barely on the fence of what Amex is looking for in their UW will have different preapprovals  and any subsequent drops or raise in points that Amex see via sp triggers other cards to go in and out of pre-qualifications. Granted I still feel like Amex has been pretty generous on approvals on my end.

Message 13 of 14
New Contributor

Re: Amex Business Card as a Freelancer


@TheRationalConsumer wrote:
Did you get any hard pulls for the BBP? The thicker your credit file and greater your Amex experience, the greater the chance of Amex extending credit without a hard pull. May or may not matter in the long run, but the thrill of credit with no hard pull has not waned for me yet.

Well crossing my fingers, I still haven’t gotten any HP on the BBP or the BRG. But then again, just between the personal platinum and gold, I already put in 20K+ in spends within 2 months and didn’t hand less than $100 balance on the cutoff. Neither have been reported to any CRA yet, and none of my SUBs posted past Pending Points summary page. The SP approval definitely is something that wins my business, on top of the 3X CLI that everyone seem to report here which I’m really looking forward to utilizing when I get a personal Amex revolver.

Message 14 of 14