Anyone can be eligible for American Express cards if they are at least 18 years old and have a Social Security number and a U.S. street address. Amex applicants should also have more income than monthly expenses and a credit score of 700 or higher, as Amex cards require good or excellent credit for approval.
American Express eligibility requirements:
Applicants must be at least 18 years old.
A valid Social Security number is required. Or, if you don’t have a credit history in the U.S. but you have a credit card or loan in certain countries, you might be able to get approved without a SSN. You should also have a U.S address (not a P.O. Box).
American Express does not permit anyone to be the primary cardholder on more than 5 consumer or business Amex credit cards. And they will only approve someone for 2 cards in 90 days. But those restrictions don’t pertain to charge cards – you can own up to 10 of those.
Finally, it’s important to point out that not all these Amex eligibility requirements are set in stone. For example, it’s possible that an excellent credit history can outweigh a relatively low salary, or vice-versa. Some forums even report approvals for people with credit scores around 630, or salaries of $40,000. The application’s success ultimately depends on whether these factors combine to create what Amex would consider a creditworthy person.
It's generally 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.
No, there aren’t any official American Express Platinum card income requirements. Because American Express doesn’t publicly disclose this information. But an income is a must in order to get this card. And you need to demonstrate the ability to pay the card’s $695 annual fee and the entire balance in full, when applicable.
Having said that, it is also worth noting that you need at least good credit for approval. And apart from your credit score and income, Amex will also take various other factors into consideration, like your credit history and any debts you might have.
There are no American Express credit cards that are easy to get. They all require good credit or better. The USAA® Secured American Express® Card used to be the easiest American Express card to obtain as it was available to people with bad credit. But USAA® Secured American Express® Card is no longer available to new applicants.
While American Express credit cards aren’t that easy to obtain, there are several other credit cards that are easy to get approved for.… read full answer
Having one of these credit cards may increase your chances of landing an American Express credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.
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