Cassy Diaz, Member
@cassy_diaz
You should be eligible for an American Express credit card if you have a good credit score of 700 or higher and you earn more than you spend. You also need to be at least 18 years old and have a valid Social Security number or an Individual Taxpayer Identification Number to qualify for an Amex card.
American Express Eligibility Requirements
- Credit score: 700 or higher (at least good credit)
- Age: 18+ years old
- Residency: Applicant must have a U.S. address, not a P.O. Box
- SSN/ITIN: A valid Social Security number or Individual Taxpayer Identification Number is required. If you don’t have 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 an SSN or ITIN.
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. To learn more, check out our article about how to determine your approval odds for an Amex card.
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People also ask
Is it hard to get an American Express card?
Yes, it's hard to get an American Express card because you will need a good or excellent credit score for approval, along with enough income for monthly bill payments. American Express cards are generally considered some of the most exclusive credit cards on the market.
If you want to maximize your approval odds for an American Express card, focus on those that require a minimum of good credit for approval, as opposed to excellent credit only. You may...
read full answer by John S Kiernan, Managing EditorHow much income do you need for an American Express credit card?
To qualify for an American Express credit card, you need enough income to afford the monthly bill payments along with any annual fees. American Express does not disclose specific minimum income requirements for its credit cards, but the higher your income is, the more likely you are to be approved.
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Whats the easiest American Express card to get?
The easiest American Express cards to get approved for are those that require a minimum of good credit for approval as opposed to excellent credit only. The Blue Cash Everyday® Card from American Express and the Delta SkyMiles® Blue American Express Card are two of the easiest Amex cards to get approved for because they only require good credit.
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While the best American Express credit cards aren’t that easy to obtain, there are several credit cards from other issuers that...
read full answer by Sarah Bilkins, WalletHub Credit Card AnalystDid we answer your question?
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