Just found out Amex is letting people check if they qualify for their cards without the credit hit. Basically you get a soft pull approval first, then if you want it they do the hard check. Kind of genius honestly because usually every application dings your score a little.

So if you're worried about your credit or just want to see which Amex card you'd actually get approved for, you can test it out on their website or call them. No damage either way. The soft pull approval is supposedly 100% certain too, though you won't know your credit limit until they do the full check.

I've been trying to figure out which rewards card actually makes sense for me, and this takes away the anxiety of getting rejected and tanking my score over it. Apparently other card companies don't really do this, so it's pretty much just Amex right now. Might be worth checking out if you're thinking about applying - honestly seems like the best approach to finding the right card without the risk. Anyone else tried this yet?