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Amex website pre-qualify vs. Nerdwallet Amex pre-qualify

cj99
Member

Amex website pre-qualify vs. Nerdwallet Amex pre-qualify

When I try the Amex website it says there are no cards I'm pre-qualified for. Yet when I use the one on Nerdwallet it says I'm pre-qualified for several like Blue Cash Preferred and Premier Rewards Gold.

 

Any idea why the difference? Does the Nerdwallet page just throw a bunch of stuff at you that you're not actually pre-qualified for?

 

My Fico is in the high 700's and I have no delinquencies/lates/etc. on my report so I can't imagine Amex wouldn't offer me *anything*. Maybe I opted out of pre-screened offers at some point and forgot, but you'd think the two sites would say the same thing if they're both checking Amex's database of pre-qualifications...

 

Message 1 of 7
6 REPLIES 6
Chynnac
Frequent Contributor

Re: Amex website pre-qualify vs. Nerdwallet Amex pre-qualify

The same thing for me a few days later I showed up on Amex.
Nov 2014 500s April 2016 TU 707 EQ 690 EX 663 May 2017 TU 718 EQ 708 EX 701
CSR 12K United Explorer 12k Cap One QS 10.6K Discover 7.8k Freedom 4k Unlimited 4.4k AMEX Platinum NPSL
Message 2 of 7
RonM21
Valued Contributor

Re: Amex website pre-qualify vs. Nerdwallet Amex pre-qualify

I would trust the AMEX site vs the other. Even still, it's not a guarantee.
                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 3 of 7
jbsea
Established Contributor

Re: Amex website pre-qualify vs. Nerdwallet Amex pre-qualify

If your scores are that high then I would not worry about it.  If there is a card there that you want then go ahead and app, I'm sure you would get it.

Amex Gold NPSL / Venture $23,000 / Discover $12,500 / NFCU Cash Rewards $40,800/ NFCU GO Rewards $8000 (AU) / Amex ED $15000 / NFCU Flagship Rewards $26300 / CFU (AU) $4000 / QS1 $3000 / Citi Costco $3000 (AU) / Amex Delta $9500 / FNBO Amex $10,000 / NFCU CLOC $15,000
Message 4 of 7
juniornj23
Established Contributor

Re: Amex website pre-qualify vs. Nerdwallet Amex pre-qualify

Always is better to be pre approval form the original cresitor web than a 3r party web
Amex ED (2000) Amex BCE (2000) Amex macys (5000) Amex Gold , VENTURE (5000) MC PLATINUM (600) CAP QUICKSILVERONE (1250) CAP QUICKSILVER (4500) CAP QUICKSILVER (3500) PENFED AMEX (5000) PENFED CASH REWARDS (25,000) PENDFED REWARDS VISA SIGNATURE (20,000) UPROMISE (1000) NFL (4000) OVERSTOCK (2800) HSN (3200) DISCOVER IT(8500) AMAZON PRIME (10000) MARVEL(7000) BOF VISA(2000) BEST BUY VISA CITI (9000) BLISPAY (9000)Amex Magnet (10,000) Uber (3100)

WELCOME TO 100K CLUB . LAST APP 08/29/18 Credit Score 8 TU 720 EQ 705 EX 724

Starting Score: 640
Current Score: 720
Goal Score: 850


Take the myFICO Fitness Challenge

CARD I want .
Chase Freedom and US cash +

Now back to the garden until 2020
Message 5 of 7
cj99
Member

Re: Amex website pre-qualify vs. Nerdwallet Amex pre-qualify

I agree, would much rather have the approval from Amex's website than Nerdwallet.

 

I'm just curious why the difference? If Nerdwallet is just making it up to sell me something I wouldn't bother. But out of curiosity I input a made-up name and it said it couldn't find any offers, so clearly it's not just spitting them out for anyone who visits.

Message 6 of 7
cj99
Member

Re: Amex website pre-qualify vs. Nerdwallet Amex pre-qualify

Update: AMEX approved me for a 10k BCP card. Yay! I'm glad to see NerdWallet's pre-approval screen appears to be accurate; especially since the AMEX website wasn't finding anything for me!

Message 7 of 7
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