The American Express Plum Card’s credit score requirement is “good” or better. That means you need a credit score of 700+ for a realistic shot at approval. It is possible to get Amex Plum with lower scores, as the good credit range is generally thought to start at 660. But your odds just won’t be great if your score is below 700.
Here’s the lowdown on American Express Plum Card credit scores:
Personal Credit Scores Are Key. Although Amex Plum is a business credit card, available only to business owners, you’re personally responsible for paying off balances. As a result, Amex considers your personal credit history (along with that of your business credit) when you apply.
Shoot for 700+. A 700+ credit score will give you the best chances, different people report being approved with a range of scores. @Concorduser says a score in the mid-600s did the trick, for example. And @Fr0zen got the card with a score in the mid-700s. But these are anecdotal reports, and each person’s situation is different, so take them with a grain of salt.
Other Factors. Amex also looks at your annual revenue, your estimated monthly spending, and the number of years your company has been open.
So you can consider the American Express Plum Card’s credit score requirement to be 700+.
700-ish should be good enough to get approved for it. Your income and entire report will obviously be taken into account before they make a decision, but also to set up your credit limit.
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