What is Amex minimum credit score?

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

Can I get an Amex card with a 650 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.

Can I get Amex with 600 score?

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.

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.

Can I get an American Express card with a 580 credit score?

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.

Minimum Credit Score To Be Approved For Each Amex Card

What is the easiest Amex 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 FICO score does Amex pull?

American Express appears to primarily pull credit reports from Experian, but this doesn't mean it doesn't occasionally pull from one or both of the other major consumer credit bureaus as well.

Is Amex prequalify a hard pull?

On the other hand, pre-approval is an in-depth look at your candidacy for a card in the Amex portfolio. Using only a soft credit pull—which does not impact your credit score—Amex determines whether you've met its minimum standards for that particular card.

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.

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.

Does Amex approve instantly?

Does American Express give instant approval? Yes, many times you'll be instantly approved for an American Express credit card. You may even be eligible to get an instant credit card number so you can use your card right away.

Does Amex do a hard pull if denied?

If your application was declined, we do not report it to the credit bureaus. This will not affect your credit score. However, your request for a Card will show up on your credit bureau reports as a request for credit, also known as an "inquiry."

What credit cards can I get with a 600 FICO score?

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.

Is Amex gold 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.

Does Amex look at 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.

Does Amex increase credit score?

American Express can help your credit score if you are the primary accountholder or an authorized user aged 18 or older on an American Express credit card or charge card account. For an Amex card to be good for your credit score, the account must be kept in good standing with on-time monthly bill payments.

Can I get a credit card with a 588 credit score?

Your score falls within the range of scores, from 580 to 669, considered Fair. A 588 FICO^® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications.

Does Amex do soft pull?

Upon applying for a chosen Card, a soft inquiry will be made on an applicant's credit report and applicants will be told with 100% certainty if they are approved – without any impact to their credit score.

Does Amex use FICO?

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.

How much is 100k points on Amex?

100,000 points are worth $2,200 per our valuations, and you can use them in a variety of different ways. Think international business class, free domestic airfare, and stays in luxurious hotel suites.

Can I get a credit card with a 549 credit score?

Credit Cards with a 549 Credit Score

The best type of credit card for a 549 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.

Is Amex platinum hard to get?

The credit score needed for the American Express Platinum is generally above 700. According to Credit Karma, the average score is 715. Although, several applicants with credit scores in the 600s have also been approved, even as low as 643.

How to get Amex with low 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.

How much income do you need for Amex?

We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum. The Amex Business Platinum card gives you a little more wiggle room because even if you have low business income or are just starting your business, you can still qualify for an Amex small business card.