What is the easiest Amex card to get approved for?

Credit score needed for the Delta SkyMiles® Gold American Express Card. The Delta SkyMiles® Gold American Express Card might be the easiest card on this list to be approved for and has a $0 introductory annual fee for the first year; then $99 (see rates and fees).

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What American Express card is the easiest to get?

When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.

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What score do you need to qualify for American Express?

According to the score ranges from FICO, that means American Express applicants typically have at least a 670 score: Exceptional. 800 and above.

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What is lowest score for American Express?

The American Express credit score requirement is of at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.

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Which Amex card is hardest to get?

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.

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41 related questions found

Is Amex card for rich?

No,. American Express is not specifically for rich people, even though it does have a high level of status in many people's minds. Applicants need good or excellent credit scores of 700+ to qualify for Amex credit cards, and you don't need to be rich to have a good credit score.

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Why is the Amex Black Card so special?

It has an initiation fee of $10,000 and an annual fee of $5,000. It's also invite-only; you can't apply without permission from Amex. The card offers some incredible benefits, like complimentary elite status across four hotel chains and with Delta, airport arrival services, and access to a concierge.

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How to get an American Express card with bad credit?

Applicants need at least good credit to have decent odds of approval for most American Express credit cards. If you're considering an American Express card but don't meet the minimum credit requirements, you can request to be added to another person's credit card as an authorized user.

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Can I get an Amex with a 630 credit score?

This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.

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Why does American Express get declined?

The most common reason for a card to be declined is because you're over your credit limit, or the purchase in question would put you over your credit limit. While some issuers either don't have a set credit limit or let you charge above it for a fee, many issuers use your limit as a hard stop for purchasing power.

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Does Amex check income?

They will request tax returns and bank statements. What they're looking for is to make sure the income you reported on the application is true. The process typically takes 2-3 weeks, and you're assigned a specialist to talk to.

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What is the minimum salary required for American Express credit card?

Salary Needed for Amex Platinum Credit Card

If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.

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Is Amex gold card hard to get?

Getting the Amex Gold Card isn't the easiest card to qualify for as you need good or excellent credit. That means having a minimum 670 FICO score and existing cards in good standing. Being an existing American Express cardholder can also make it easier to qualify.

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Is Amex harder to get than Visa?

But in terms of comparing eligibility requirements for Visa, Mastercard, and American Express, American Express may be the hardest issuer to qualify for as most cards require applicants to have a “good” credit score of at least 670 to qualify.

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Which Amex card is highest?

The highest level American Express card is the Centurion card, which is also known as the 'black card.

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Does everyone get approved for Amex?

Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.

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Can I get a credit card with a credit score of 579?

Credit Rating: 579 is considered a bad credit score. Borrowing Options: Most borrowing options are available, but the terms are unlikely to be attractive. For example, you could borrow a small amount with certain unsecured credit cards or a personal loan for damaged credit, but the interest rate is likely to be high.

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Can you get a credit card with a credit score of 512?

Credit Cards with a 512 Credit Score

The best type of credit card for a 512 credit score is a secured credit card. Secured cards give people with bad credit high approval odds and have low fees because cardholders are required to place a refundable security deposit.

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What's the credit limit on Amex Gold?

If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible.

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Does Amex do a hard credit check?

The new application is available to eligible consumers who apply for a U.S. personal card by calling American Express or by submitting an application online at AmericanExpress.com/us/credit-cards. If you are approved, American Express will run a hard credit check only after you accept the card.

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Is American Express the only black card?

Besides the Black and Platinum Cards, American Express offers a line of 17 other cards.

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Does American Express have a pre approval?

Yes, American Express does have pre-approval. American Express has an online pre-qualification page where potential applicants can quickly check their odds of approval for certain American Express credit cards before they actually apply for one.

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What card are better than an Amex black card?

Well, the verdict is in! The Centurion card beats out the Mastercard Black card in terms of rewards, benefits, and features. The major drawback of the Centurion card is its $10,000 initiation fee and $5,000 annual fee (plus $5,000 annually for each authorized user).

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What is better Amex Platinum or Mastercard black?

Mastercard® Black Card vs. American Express Platinum card: Rewards. The American Express Platinum card is the clear winner here with its initial bonus offer, an array of travel-friendly perks, high rewards earning rates, and valuable statement credits.

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Who has the highest credit card limit?

On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.

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