Question: How Do You Get Approved For An American Express Card?

Is it hard to get an American Express card?

Actually no.

If you have a relatively clean recent credit history free of late payments, charge offs or liens, you may qualify for an Amex Card.

The easiest Amex Cards to obtain would be the Green charge Card and the regular Blue Card (not Blue Cash) credit card.

What does your credit score have to be to get an American Express card?

Aim to get your credit score in the mid- to upper-600s if you want a basic, lower-end American Express credit card. And if you’re interested in the higher-value cards that carry big fees (but also offer big rewards, perks, and benefits)? You need good credit or something that hits at least 700.

How long does it take to get approved for an American Express card?

When will I get my new credit card?

ProviderApplication length (approx)Card arrival (business days)
American Express3-5 minutes7 to 10 days
Barclaycard3-5 minutes7 to 10 days
Capital One3-5 minutes7 to 10 days
Discover3-5 minutes7 to 10 days

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What is the easiest American Express card to get?

The USAA Secured American Express Card is the easiest American Express card to get. It’s issued by USAA, but it’s on the Amex card network, which means you can use it anywhere Amex is accepted. It’s also available to people with bad credit, unlike anything Amex offers.

Is American Express for rich?

American Express Serve® has no annual fees or monthly fees, there are no credit checks when applying, and cardholders can send or upload money via email, text message and even Facebook. So let’s debunk this credit card myth once and for all: American Express cards are not just for rich people.

Can I get an American Express card with bad credit?

American Express is one of the few issuers with a limited lineup of credit cards for people with limited credit histories or bad credit. Case in point, there’s one American Express credit card for bad credit. Learn more below and see if the card is a fit for you.

What is the hardest credit card to get?

The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

Does AMEX help your credit score?

With charge cards, you have to pay your balance in full every month so there’s no option to carry a balance and rack up expensive interest payments. Note that Amex will still report your statement balances to the credit bureaus, even if they don’t affect your credit score.

How much money do you need for American Express?

Image source: Getty Images. The card is “by invitation only”, and to even be considered you’ll need to have spent $250,000 on another Amex charge card over the past year. Needless to say, this requires a very high level of income.

What credit score does American Express use?

American Express will almost always pull your Experian credit report. It looks like in some fringe cases they’ll pull Equifax or TransUnion, but there are no states where that is the normal.

Does American Express give instant approval?

American Express. An instant card number upon approval of a new account is available on all American Express cards. However, some people report that for co-branded cards, the card number issued instantly is only for use at the co-brand location.

What credit score do you need for an Amex EveryDay card?

700 or above

What credit cards give instant approval?

Best Instant Approval Credit Cards:

  • Discover it® Secured: Rewards.
  • Fingerhut Credit Account: Bad Credit.
  • OpenSky® Secured Visa® Credit Card: No Credit Check Approval.
  • Costco Anywhere Visa® Card by Citi: Excellent Credit.
  • Credit One Bank® Platinum Visa® for Rebuilding Credit: No Deposit.

What credit score do you need for American Express Blue?

630 – 690

Does American Express do a hard pull?

To be totally clear, your first credit card application ever with Amex will result in a hard credit inquiry. According to Doctor of Credit, once you have one card with American Express, the bank will do a soft pull on your credit report monthly, to check that it’s in good standing.

Why do people use American Express?

Most people I know who have an American Express have a Visa or Master Card as a backup. The reason to use them is, if accepted, they frequently offer better rewards such as 2 to 3% on restaurants, supermarkets, and gas. A lot of other cards have caught up, but you get a card that works best for your life style.

What credit card do millionaires use?

American Express Centurion Card

Who has a black card?

The Centurion Card (informally known as the black card) is the “world’s rarest American Express Card.” And, they’re given out by invitation only! Word has it there are about 17,000 black card holders in the world, and a handful of them are celebs.