What's the American Express Plum card credit score requirement?

The easiest way you can apply for the American Express Plum Card is either online or by phone at (800) 528-4800. Alternatively, you can respond to a mail offer.

Here’s how to apply for the Plum Card

• Online: To apply for the Plum Card online, click the “Apply Now” button, then enter the requested personal and financial information, review the card’s terms, and submit the application.... read full answer
• Phone: To apply over the phone, call American Express at (800) 528-4800. Say “apply” when prompted. Then, you will be connected with an American Express representative who will help you fill out your application.
• Respond to a mail offer: To respond to a mail offer, visit the dedicated web page. Another option would be to fill out the application and mail it back in the addressed, postage-paid envelope that came with the offer.

Once you apply for the Plum Card, you will likely get an instant decision, though it could take a few days or even a few weeks to hear back in some cases. If your application is approved, you should receive your card in the mail within 7 to 10 business days. And if you don’t hear back right away, you can check your application status online anytime.

Your Plum Card approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Plum Card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.... read full answer

What You Need for Good Plum Card Approval Odds

• Good credit or better
• Enough income to pay credit card bills
• Low debt relative to income
• Low housing costs relative to income
• U.S. mailing address
• Age of 18+
• Social Security Number or Individual Taxpayer Identification Number

Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income but no debts and still get approved. If you want to enhance your application by improving your credit score, WalletHub’s free credit analysis can tell you what steps to take.

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 ... read full answercheck your credit score for free, right here on WalletHub.

American Express Credit Score Requirements by Card

• The Platinum Card® from American Express: 700+ (Good credit)
• Centurion® Card from American Express: 750+ (Excellent credit)
• Blue Cash Everyday® Card from American Express: 700+ (Good credit)
• American Express Cash Magnet® Card: 700+ (Good credit)*
• Blue Cash Preferred® Card from American Express: 700+ (Good credit)
• American Express® Gold Card: 700+ (Good credit)
• Hilton Honors American Express Card: 700+ (Good credit)
• Delta SkyMiles® Blue American Express Card: 700+ (Good credit)
• Marriott Bonvoy Brilliant® American Express® Card: 700+ (Good credit)

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 an American Express credit card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status, and housing status.

*All information about the American Express Cash Magnet® Card has been collected independently by WalletHub. The American Express Cash Magnet® Card is no longer available to new applicants through WalletHub, but may be available on the American Express website.