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Amex Blue Business Plus Approval Without A Hard Pull?


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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