Nice job! Their prequal is pretty good. People rarely get denied unless they have a BK in the last 5yrs 1mo, or they're blacklisted.
You should probably wait on applying until you have at least a 680 EX. Otherwise you'll be stuck in low limit hell for at least a year.
Grats to all your hard work 
Congratulations on your success!
@Egaffne2 wrote:
hmm so what do u think my starting limit would be if I did apply? I'm not, I'm still gardening until May. By then I should be well over 680 and I'm not even sure if I'd end up going with Amex.
Congratulations on your rebuild!
Everyone's profile is different so nothing can be apples to apples but I can share my experiences.
My oldest account across all three CRAs is 32 years of age but I had my struggles in 2014 which left me with charge offs and collections.
I cleared all collections and charge offs to 0 balance from Nov 2018 till September 2019 with scores finally breaking past 670.
I opened checking/saving accounts with NFCU and then did a 3k SSL paid down to < 9 percent In August-September.
I then app'd for a Cash Rewards. Approved for lowest APR of 11.49 and 25k CL.
When both the SSL and the CC account from NFCU posted that boosted me > 680.
So AMEX was in my wheelhouse of cards wanted and I app'ed for their BCP card and was approved for 5k CL to start with.
I do not consider Amex prequals particularly reliable. I have been denied when I had a prequal and I have been approved when I did not have a prequal. But, my profile is pretty weird, so it's hard for me to judge how it would be for other people. I think the OP's profile and 668 score would probably be approved for an Amex cobrand or most likely an Amex charge card. Not sure about a core revolver. As you can see, I like Amex. My reasons may or may not apply to others. I like Amex for: 1) Cards that fit my spend and my goals well. 2) SP applications for other cards once you have one Amex card. 3) The Corporate Advantage Program.
