What is the American Express Blue Business Plus interest rate?

You need a credit score of 700 for an American Express business card. That means you must have at least good credit for decent approval odds. American Express does not offer business cards for bad, fair, limited or no credit. Nor do they have any secured business cards to help rebuild credit.… read full answer

It’s important to note that an applicant’s credit score is not the only factor that Amex considers. Things such as payment history, income and current debts are also important. But the higher your score, the better your chances of approval become. Keep in mind that Amex will look at your personal credit during the approval process because you will have to provide a personal guarantee to pay Amex back if the business cannot. This is normal for business credit cards.

You can get the following Amex charge/hybrid cards:

• American Express® Green Card (hybrid)
• American Express® Gold Card (hybrid)
• The Platinum Card® from American Express (hybrid)
• Centurion® Card from American Express

The difference between a regular credit card and a charge card is that while a credit card allows you to carry a balance between months, with a charge card you must pay what you owe in full by the end of each month.… read full answer

It’s important to note that charge cards are actually a type of credit card – they are just unique ones. Charge cards also usually have no preset spending limits, which means that the cardholder’s credit limit will vary based on their financial status and spending habits.

American Express approval odds are best for people with good or excellent credit scores (700+), enough annual income to demonstrate the ability to pay the card’s annual fee (if there is one) and the entire balance in full, when applicable. Minimal debt and steady employment are also important.

Before applying for an … read full answerAmerican Express card, consider checking for pre-qualification to get a better sense of your approval odds. You can do this online or by calling (877) 621-2639.

More info about the American Express approval odds

Your credit score will prove very important to your chances of getting approved, given that all American Express cards require good or excellent credit for approval. A credit score of 700+ is a good start, though some American Express cards require a 750+ credit score for high approval odds. Total annual income, employment status, and outstanding debts could also have a big influence on the outcome of your application.