The American Express credit score requirement is 700 or higher for all Amex credit cards, as of October 2020. That means American Express applicants need either good or excellent credit to get approved for a card. As a result, Amex cards are a bit difficult for the average person to get, but are attainable for people who build a history of responsible credit use.
If you’d like to get a better idea of whether you meet the American Express card credit score requirement, you can use Amex’s online pre-qualification tool. It will show you which Amex cards you’re likely to be approved for. Pre-qualification has no impact on your credit.
Keep in mind that unlike some issuers, Amex doesn’t really cater at all to bad or fair credit. In the past, people with bad credit could get approved for a secured card on the American Express network, but not anymore.
Also, while your credit score is one of the biggest factors that determines whether you get approved or denied for an American Express card, there are plenty of other things Amex considers, too. Amex will look at your existing debts, income, recent credit inquiries, open accounts and more when evaluating your application.
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