Does Amex look at FICO score?

These are provided as guidelines only and approval is not guaranteed. Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Credit Score ranges are based on FICO® credit scoring.

Does American Express look at FICO score?

Other American Express cards will usually require even higher scores. According to the score ranges from FICO, that means American Express applicants typically have at least a 670 score: Exceptional. 800 and above.

What FICO score is needed for Amex Platinum?

The Platinum Card® from American Express requires good to excellent credit to qualify. This is typically defined as a credit score of 690 or better.

Can I get an Amex with a 600 credit score?

To be approved for the Amex Platinum, you need to have a good or excellent 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.

What is the easiest Amex card to get approved for?

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.

What is a Credit Score? | Credit Intel by American Express

Is Amex card hard to get?

Yes, it's hard to get an American Express card because they all require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclays and Wells Fargo do too, for example.

Can I get an Amex card with a 670 credit score?

While American Express doesn't publicize a minimum credit score for the Amex Gold Card, generally, applicants with a good credit score of 670 or above are more likely to qualify.

Which credit score does Amex use?

American Express uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Credit reports, however, don't differ that much from bureau to bureau.

What is the minimum income for Amex Gold?

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.

Does Amex only pull Experian?

American Express uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Credit reports, however, don't differ that much from bureau to bureau.

Which FICO version does Amex use?

What credit score does Amex use? Data points indicate that American Express uses the FICO 8 scoring model from the Experian credit bureau.

What credit score is needed for Amex EveryDay?

To apply for Amex EveryDay® Credit Card from American Express, you should have good credit, meaning a FICO® Score of 670 or higher. American Express will look at several factors in addition to your credit score, but your credit is a key part of whether your application is approved or denied.

How rich do you have to be to have a black Amex card?

How much do you have to make to get Amex's black card? There aren't any income requirements per se, but you most likely need to be a high spender on your Amex cards. If you're in the ballpark of $250,000 to $500,000 in annual spending across all your open Amex cards, you may qualify for the Centurion card.

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.

Is Amex Gold hard to get approved?

Yes, it is hard to get the American Express® Gold Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be very hard for you to get approved for the Amex Gold card.

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.

What is Amex Gold Card limit?

Does the American Express Gold Card have a limit? The American Express® Gold Card has no preset spending limit, which reflects its origins as a charge card — a card that requires you to pay your bill in full every month.

Does Amex approve everyone?

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.

Why did Amex rejected me?

American Express sends a letter to affected applicants citing why the application was denied. Common reasons an application could be denied include a low credit score, an insufficient annual income, number of open credit accounts, and more.

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.

Why is the Amex Black Card so special?

The privileges of a black card include upgrades and special permissions for rental cars and access to some of the most breathtaking hotel suites in hard-to-reach destinations. Black cards also offer dedicated concierge services, and some are even rumored to provide charter jet service.

Are Amex card holders 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.

Can you buy a car with Amex?

Cardholders of The Platinum Card® from American Express (another high credit limit card), or any other type of Amex members, can try using the American Express Auto Purchasing Program, which connects you to dealers who accept American Express and let you charge $2,000 or more toward a car purchase on your Amex card.

How do I know if Amex will approve me?

You can check the status of your American Express credit card application by calling 877-239-3491 for personal cards or 800-567-1085 for business cards. You can also check your credit card application status online.