Amex Blue Business Plus Approval Without A Hard Pull?

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Update: The special welcome offer for the The Blue Business℠ Plus Credit Card from American Express has expired, but you can learn more about best available offers here.


Just a bit over a week ago, American Express introduced The Blue BusinessSM Plus Credit Card, which is one of the hottest new credit cards in the market. The card has no annual fee, accrues Membership Rewards points that can be transferred to airline and hotel partners, and most valuable of all, it offers 2x Membership Rewards points per dollar on the first $50,000 spent annually. On top of that, it’s offering a special sign-up bonus of 20,000 Membership Rewards points upon completing minimum spend.

The way I see it, that makes this card the single most lucrative credit card for non-bonused spend. I’ve explained in a previous post why you should consider applying for the card, and also explained how you can apply for this card as a sole proprietorship, even if you don’t have a corporation.

Anyway, there’s something interesting going on with Blue Business Plus Credit Card applications, which I first read about on Miles To Memories. As noted by Shawn, many people reported not having any sort of a credit pull when applying for this card. Shawn shared that was the case for him as well.

I was curious about this, so just had a family member check their credit report to see if they had a hard pull, after getting instantly approved for the card. Sure enough, there was no hard pull. Very interesting.

We’ve known that American Express often uses internal data to conditionally approve people (which means applying for Amex cards is basically “risk free,” since there’s typically not a pull if you get denied), but then there’s typically a formal credit pull. Many report that’s not happening here.

Now, this certainly won’t be the case for everyone. I suspect it’s most likely that longstanding Amex customers, as well as those with several existing cards, are experiencing this most.

Regardless, keep in mind that applications for Amex business cards don’t count towards Chase’s 5/24 rule, so you can apply for this card without impacting your chances of being approved for a Chase card in the future.

To those who have already applied for the Blue Business Plus Credit Card, did you get a pull on your credit report?

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Comments

  1. I applied and was approved for the platinum card about a month ago and haven’t seen a hard pull show up on any of my online credit scores yet, and was starting to wonder the same thing. I am an exisiting amex cardholder. Wonder if this is the new norm?

  2. Would no hard pull mean it wouldn’t count towards 5/24 if it’s an amex personal cc? I applied for both the surpass and blue plus, nothing on my credit report yet.

  3. I applied for a Hilton surpass last week, and did not get any notification of a hard pull either.

    When i applied for a SPG and Plat in march, i got hardpulls.

  4. Bank of America did this to me recently as well where I was pre-approved for a card and they instantly approved me and never pulled my credit. I wish more institutions moved this way.

    This makes perfect sense to me assuming that the information a financial institution is able to obtain via a soft-pull is the same or at least sufficient to issue credit as the information they receive from a hard pull. In the case of Bank of America they soft-pulled my credit. Especially for existing customers where the financial institution has a history of your credit usage and credit patterns, a hard inquiry seems unnecessary. After all, Amex has been soft pulling their credit card customers on a monthly basis for years now if not longer so they should have an intimate understanding of your credit history from these soft pulls that existing cardholders would not necessitate a hard pull.

    Plus as more and more banks move the approval needle from a basis of number of inquiries on your credit history to number of opened cards within a set time frame, closed cards that have short credit histories, etc. what advantage does a hard pull offer over a soft pull?

  5. No such luck. I applied for the Blue and received notification of the hard pull about a week later, not that it matters all that much in the grand scheme of things. I have two other cards with AMEX and have been a customer for about 15 years, FWIW.

  6. @Angie

    No, Chase looks at new accounts reported not credit inquiries so it would not prevent new personal Amex accounts from counting against 5/24 (of course it generally takes them a couple months to show up on your report).

    I got the Blue for Business with the 10x restaurant promo earlier this year, and there was no hard pull. According to my full EX report they didn’t even do a new soft inquiry! My last-most-recent Amex app was over eight months earlier.

  7. This has been the case for all my Amex business cards for years. No hard pulls ever. I had one Amex personal card before applying for a business card.

  8. I just opened a Delta Gold Amex and the Blue Biz Plus. Amex didn’t do a hard pull for either. However, I already have a Delta Reserve, Delta Platinum and Amex Platinum. I spend quite a bit on them monthly and pay them in full. Probably why they didn’t do a hard pull on me for the two new cards.

  9. Just call and confirm that you are enrolled in the 20,000 MR after $3k spending in three months promotion. I applied through the link with such offer, but have been confirmed from AMEX that such offer does not exist; and therefore, I am not enrolled in the offer…

  10. Instantly approved for the blue as well. Currently have Amex Business Platinum and Rewards Gold Cards.

  11. I have a AMEX Blue preferred & regular everyday card, received a invite from AMEX for the Premier rewards gold and was approved without a hard pull.

  12. I applied for an Aeroplan points credit card from the bank I currently deal with and I didn’t get a hard pull either. Maybe that’s common for existing customers in the industry now, especially with so many cards out there. The bank has to pay for the pull anyway, so it’s better for them not to, and better for us because it doesn’t lower our credit score like a hard pull does.

  13. Lucky, the 2x points for $50k annual, is that Jan-Dec or does it start by anniversary date?

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