You can submit an American Express credit card application online or by phone, at 1-800-223-2670. To apply for an American Express credit card online, click the “Apply Now” button next to the card you want to apply for, then enter the requested personal and financial information, review the card’s terms, and submit the application.
To submit an American Express credit card application by phone:
Call American Express at 1-800-223-2670.
Say “Apply” when prompted.
Answer whether the card will be for “Business” or “Personal” use.
Connect with an American Express representative who will help you fill out your application.
Provide personal information. This includes your name, email address, date of birth, mobile phone number, home address and Social Security number.
Provide financial information. This includes your total annual income, your non-taxable annual income (if applicable) and the sources of your income.
Submit your American Express credit card application.
Once you send in your American Express credit card application, you will likely get an instant decision, though it could take a few days or even a few weeks to hear back in some cases. If your application is approved, you should receive your card in the mail within 7 to 10 business days. And if you don’t hear back right away, you can check your application status online anytime.
It's harder to get an American Express card than it is to get a credit card from many other major issuers simply because all of Amex's credit card offers 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. Barclaycard and Chase do too, for example. And if you're fortunate enough to have good credit or better, an American Express credit card will be no harder to get than any other credit card.… read full answer
The easiest American Express cards to get are those that require a minimum of good credit for approval, as opposed to excellent credit only. You may also want to target cards that are co-branded with companies such as Delta and Hilton as well as offers with lower annual fees. Co-branded cards often have relatively high approval rates to accommodate more fans of the brand (e.g. Hilton) in question. And some of Amex's premium cards for big-spenders, which can be relatively difficult to get, have high fees.
Of course, American Express also evaluates each applicant's income and debt obligations to make sure they can afford monthly bill payments on a new line of credit. But there isn't much information available about Amex's standards in those regards, and you shouldn't expect them to differ too much from other credit card companies' policies.
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