Funny I saw this post after being declined for chase freedom (recommended by wallet hub)and right after I tried for the pre approval with Amex (not recommended by wallet hub) lol and was pre approved. I moved forward and was approved online for $1700 with the delta sky miles. There is an annual fee of $250 but that's the price of getting your foot in the door after BR. I am 5yrs post BR and started out with $500 capital one about 1 year after Ch7.
cap one $5500
cap one $2000
credit one Amex $1500
current score 704
The Amex EveryDay® Credit Card from American Express
Yes, you may be able to get approved for the Amex EveryDay after bankruptcy, but there are no guarantees. Amex takes into consideration all aspects of your credit history, but has no disclosed restrictions with regard to bankruptcies. While there are online consumer reports indicating approval several years after having a bankruptcy discharged, approval odds will depend on the specifics of each applicant’s credit.
Amex EveryDay requires a credit score of 700, at a minimum. That means you need good credit or better to get approved. Aside from you credit score and history, other factors such as your income and debts will play a role in getting approved.
To gauge your chances of approval, you can check to see if you pre-qualify for the Amex EveryDay or other offers. While pre-qualification does not guarantee approval, it will give you an indication of your odds and whether it’s worth applying. Unlike an application, checking for pre-qualification only triggers a soft inquiry on your credit report and does not affect your credit score.
This is technically not an answer to the question but I had a score of over 700 with a perfect on-time payment history across the board. 2016 I was contacted by a law firm and was forced into chapter 13 due to a car that I defaulted on all the way back in 1998. Yes, you read that right. They wouldn’t settle and wanted $30,000 for an $8,000 debt. I lost a few credit cards which I have since then recovered including a Discover card with an $8,000 limit.
Strangely, one of the cards I didn’t lose was my American Express Preferred Everyday card. It was paid in full and not included in Chapter 13. Although it still only has the $1000 limit that it came with after I applied for it, it has mysteriously never been pulled. I haven’t been brave enough to request a higher credit limit lest they find the neg on my report. (LOL) It is still paid in full and on time with auto-pay every month. It boggles my mind every time I think about it. I’ve had all on-time payments since 2010.
There are no American Express credit cards that are easy to get. They all require good credit or better. The USAA® Secured American Express® Card used to be the easiest American Express card to obtain as it was available to people with bad credit. But USAA® Secured American Express® Card is no longer available to new applicants.
While American Express credit cards aren’t that easy to obtain, there are several other credit cards that are easy to get approved for.… read full answer
Having one of these credit cards may increase your chances of landing an American Express credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.
Your Amex EveryDay approval odds are decent, if you have a 700+ credit score. This means that you need at least good credit to have even a hope of qualifying.
But the issuer will also take into account various other factors while considering your application. Your credit history, income and any debts you might have will determine the outcome, too.… read full answer
However, 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.
Here’s what you need to know about your Amex EveryDay approval odds:
The Amex EveryDay requires a 700+ credit score. So, you need at least good credit to qualify for this card.
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.
So, to have a good chance at Amex EveryDay approval, you’ll need a 700+ credit score and the ability to afford a new line of credit. If that doesn’t describe you right now, you could consult WalletHub’s personalized credit advice.
The Amex EveryDay credit score requirement is 700 or higher. In other words, you need good credit or better to get this card. Some people think good starts with a score of 660, but WalletHub has found that people with a 700+ credit score have way higher approval odds for credit cards that require good credit or better. You can … read full answercheck your latest credit score for free on WalletHub to see where you stand.
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.
Amex EveryDay Credit Scores Key Info
For a realistic chance at getting the Amex EveryDay, 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, 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. Your total income and how much you already owe is also particularly important.
So, you can consider the Amex EveryDay’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.
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