Will applying for a Card affect my credit score?

If you’re applying for an American Express Personal Card*, our application process allows us to give you an instant decision with no impact to your credit score. This remains true regardless of whether you are approved or declined. If you’re approved, you can decide whether you’d like to accept the Card. If you choose to accept, your credit file will be updated to show other lenders that your application was successful and may impact your credit score.

*American Express Personal Cards that can provide you an instant decision with no impact to your credit score: American Express^® Preferred Rewards Gold Credit Card, The Platinum Card^®, British Airways American Express^® Credit Card, British Airways American Express^® Premium Plus Card, Amex^® Cashback Credit Card, Amex^® Cashback Everyday Credit Card, American Express^® Rewards Credit Card, Nectar Credit Card, Marriott Bonvoy^® American Express^® Card, Vitality American Express^® Credit Card, The Harrods American Express^® Card and Basic Card.