Your Amex EveryDay® Credit Card approval odds depend on your credit standing, income and financial obligations. For starters, you need good credit to have even a hope of qualifying. So, with a credit score of 680-703, the average person’s Amex EveryDay® Credit Card approval odds wouldn’t be all that good. Some people say good credit starts at a score of 660. But 700 is a better starting point for good Amex EveryDay® Credit Card approval odds.
It’s also worth noting that American Express lets you check for pre-approved offers on their website. Pre-approval means a strong chance of a successful application, and checking won’t hurt your credit score. Below, you can learn more about what types of applicants are likely to have the most success.
Here are the requirements for Amex EveryDay® Credit Card approval:
The Amex EveryDay® Credit Card requires a minimum of good credit. Good credit ranges from 700 to 749.
Markers of good credit include: three years of credit experience, $5,000 in available credit, and no delinquent payments in the last 12 months.
You can improve your credit score by paying down debt, paying your bills on time, and using less of your available credit.
Keep in mind that while credit history is extremely important, it isn’t the only factor. Your income and other debts also play a role in approval.
To have a good chance at Amex EveryDay® Credit Card approval, you’ll need a 700+ credit score and the ability to afford a new line of credit. And even if that doesn’t describe you right now, it could someday, especially if you’re taking advantage of WalletHub’s personalized credit advice.
The Amex EveryDay® Credit Card from American Express
Sorry to break it to you, but it's higly unlikely you'll get approved for it. Everyday's got a 700 requirement, so with 591 you most likely will be rejected and just add a new hard inquiry on your file, lowering your score further. If you're focused on rebuilding your credit, I'd say go for a secured card: they rarely turn people down, and you can build your score just fine with them.
A majority of American consumers have good or excellent credit, but if you don’t fall into that range, don’t stress. There are steps you can take to improve your credit and several alternative offers to investigate in the meantime.
Here’s the scoop on Amex EveryDay® Credit Card credit scores:
For a realistic chance at getting the Amex EveryDay® Credit Card, you need a credit score of 700, at a minimum. That means you need good credit or better for approval. If you want to know where you stand, you can check you score for free and if needed, consider steps you can take to improve it.
If you don’t have the credit score needed for Amex EveryDay® Credit Card, you can still get a credit card. It won’t be an Amex because all American Express credit cards require at least good credit for approval. But there are plenty of options for people with fair, limited or bad credit from other credit card companies.
Your credit score isn’t the only thing that will affect your ability to get Amex EveryDay® Credit Card. Your total income and how much you already owe is also particularly important.
So you can consider the Amex EveryDay® Credit Card’s credit score requirement to be 700+. But if you don’t meet the grade, there are other rewards cards with easier approval requirements. And if your credit really needs rebuilding, a secured card is the way to go.
The best way to estimate your Amex Blue Cash Everyday approval odds is to check for pre-qualification. You can do that in minutes on the American Express website. Pre-qualification does not guarantee you’ll be approved. But most people who are pre-qualified get approved. Another good way to gauge your Amex Blue Cash Everyday approval odds is to check your credit score before applying. Applicants for the Amex Blue Cash Everyday require at least … read full answergood credit to be approved.
Here’s how to estimate your Amex Blue Cash Everyday approval odds:
You can check for Amex Blue Cash Everyday pre-qualification. Go to Amex’s pre-qualified offers page, enter your contact information and the last four digits of your Social Security Number, and click the "View my Offers" button. If you are pre-qualified, it means American Express has done a soft inquiry into your credit and thinks you’d likely get approved.
You can check your credit score. Credit card applications can temporarily damage your credit score, so it’s best to know where you’re situated before applying. Amex Blue Cash Everyday requires good credit for approval, so make sure you meet that requirement.
Your Amex Blue Cash Everyday approval odds should be pretty similar to your odds with other American Express credit cards.
If your application is denied, you can request a reconsideration by calling American Express at (800) 567-1083 at least 30 days after denial. That’s basically a chance to explain yourself and correct any errors related to your application. Also, if you think your credit score needs improving, consider some tips to address just that.
Good if you have a score over 700ish. The thing is the better your score, the higher your credit limit. Make sure to check your credit score in advance before applying. Good luck!
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