To contact the American Express® Gold Card reconsideration line, call 1 (800) 567-1083. The Amex Gold card reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned.
If you call to request reconsideration from American Express, make sure you are prepared to make an argument for why you should be approved. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application.
For example, if your credit score went up significantly or you got a raise since you applied, you could argue that you are now more creditworthy. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error.
At the end of the day, you probably won’t be successful in overturning your denial, but there’s no harm in trying.
The American Express® Gold Card credit score requirement is 700 or higher. That means people with good credit or better have a shot at getting approved for the Amex Gold card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Amex Gold card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Amex Gold card credit score requirement. You can check your credit score for free on WalletHub.
The main Amex Gold card requirements for approval are having a credit score of at least 700, being at least 18 years old, and being a U.S. citizen or permanent resident. Amex Gold card applicants must also provide a Social Security number, Individual Taxpayer Identification Number or passport. Another major requirement is a steady income. American Express does not disclose a specific income requirement, but it will need to be enough to make payments on the card and to afford the $250 annual fee.… read full answer
More info about Amex Gold card requirements:
Amex doesn’t openly state any other Amex Gold card requirements, but there are plenty of other factors that Amex considers during the approval process. The amount of existing debt you have, the number of accounts you have open, and the number of recent hard inquiries on your credit report are among those factors. Amex looks at your entire financial profile when making a decision.
One way to get a better idea of whether you meet the Amex Gold card requirements is to use Amex’s pre-qualification tool. Just put in a few personal details and Amex will show you all cards they think you’d likely be approved for. This pre-qualification process won’t impact your credit.
The Amex Gold card offers 60,000 points for spending $4,000 in the first 6 months. In addition, you can earn 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), 4 points per $1 at restaurants worldwide (plus takeout and delivery in the U.S.), 3 points per $1 on flights booked directly with airlines or on amextravel.com, and 1 point per $1 on all other purchases.
Here's what the Amex Gold card currently offers:
High initial bonus: 60,000 points for spending $4,000 in the first 6 months.
Good earning rate on select categories: 4 points per $1 at U.S. supermarkets (up to $25,000 spent per year), 4 points per $1 at restaurants worldwide (plus takeout and delivery in the U.S.), 3 points per $1 on flights booked directly with airlines or on amextravel.com, and 1 point per $1 on all other purchases.
Uber Cash: Receive Uber Cash each month up to a certain amount for orders with Uber Eats or rides with Uber in the U.S. … read full answer
Hotel Credit: Receive a credit statement on The Hotel Collection bookings with Amex Travel when you pay with your Amex Gold card.
Dining Credit: You can receive a statement credit each month when you dine at select qualifying locations and pay with your Amex Gold card (enrollment required).
Travel benefits: The Amex Gold card has a 0% foreign transaction fee and offers various types of travel insurance. In addition, the benefits also include personalized travel services.
All these perks make up for the $250 annual fee. And as long as you have good credit, the Amex Gold card is certainly a card to consider adding to your wallet.
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