Michael Battle, WalletHub Credit Card Analyst
@mikebattle
There is no way to know for sure if American Express will verify your income on a new application or a credit line increase request. That’s because American Express does not publicly disclose this information.
What you should know about the American Express income verification process:
- If Amex does request proof of income, you’ll receive a reference number either by mail or email. This number will give you access to the American Express income verification portal.
- You’ll often be able to prove your income by submitting a job offer letter, showing your pay stubs, or filling out a form that allows American Express to access your tax returns.
- Keep in mind that income verification is not the same as an Amex Financial Review, which is a more in-depth review of your finances due to fraud suspicion or other factors.
While American Express probably won’t ask to verify your income, it’s not a good idea to lie about your income on an application. In fact, providing false information on a credit card application is against federal law. Therefore, you’re much better off being honest when applying for an American Express credit card.
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The American Express credit score requirement is of at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.
If your credit score is below the threshold needed for a credit card from American Express, it’s best to apply only after you meet the credit score requirement. You can check your credit score for free, right here on WalletHub.
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