The Amex EveryDay credit score requirement is 700 or higher. In other words, you need good credit or better to get the Amex EveryDay. Some people think good credit starts with a score of 660, and it may work out that way in some situations, 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 check your latest credit score for free on WalletHub.
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 Score 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.
The Amex EveryDay® Credit Card from American Express
The easiest way to apply for the Amex EveryDay is online. You will need to provide personal details such as your full name, address, Social Security number (SSN), phone number, along with some other financial information like your annual income and source of income. There are several other application options at your disposal.… read full answer
How to apply for the Amex EveryDay:
Online: Simply visit the Amex EveryDay web page and click "Apply Now".
Respond to an invitation: If you have a mail offer, fill out the application form you received and mail it back in the addressed, postage-paid envelope that came with the offer. Alternatively, you can visit the Amex dedicated web page to respond to your offer.
By Phone: Simply call (888) 297-1244 and follow the voice prompts to speak to a customer service representative. They’re available from 6 a.m. to 2 a.m ET, 7 days a week.
You can also check online to see if you prequalify for the Amex EveryDay or other offers. Unlike an actual application, pre-qualification is based on a soft inquiry on your credit report and does not affect your credit score. If you decide to apply by responding to an offer from Amex, your application will be flagged accordingly. Just keep in mind that pre-qualification indicates that you have good odds of approval, but it does not guarantee it.
Amex EveryDay requires good or better (a credit score of 700+) to get approved. If you don’t know where you stand, you can check your score for free, right here on WalletHub.
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 fastest ways to improve your credit score are to pay down your balances, dispute incorrect information on your credit report, make more frequent payments, and reduce credit utilization. Credit utilization (how much of your credit limits you use each month) contributes to a portion of your credit score that accounts for 20% - 30% of your overall score. So, an adjustment there can result in a big credit boost pretty quickly. Similarly, you can dispute incorrect information with a quick online request or phone call. You won’t always get an immediate credit score increase, but correcting errors on your credit report is a great place to start.… read full answer
There are a few other ways to increase your credit score quickly, from becoming an authorized user to increasing your credit limit. They may not all be equally effective for everyone, as it can take years to build a consistently good or excellent credit score. In fact, some strategies could send your credit score in the wrong direction before leading to an increase. For example, requesting a credit limit increase can result in a hard inquiry that damages your credit a bit in the short-term, but having more credit available could produce long-term gains if used responsibly.
Here’s how to improve your credit score fast:
Pay down your balances. If you aren’t eligible for a credit limit increase, focus on paying down existing debt. Paying down a large chunk of debt at once will help your credit utilization ratio and bump up your score. If you can’t make a large payment all at once, try to pay more than just the minimum monthly amount. If you have multiple debts, start by making payments on the debt that has the highest interest rate so you can limit interest charges.
Dispute incorrect information on your credit report. You should file a dispute for any incorrect negative info on your report. Once the dispute goes through, incorrect items will drop off your file, and your score should improve. You may have to wait 30 days for the credit bureau to review your dispute before you see any changes.
Make more frequent payments. Credit utilization is calculated based on the statement balance on each of your credit cards. You can reduce these balances, thus decreasing your credit utilization and increasing your credit score, by making payments before the end of each billing period. Then, pay off the remaining balance by the due date to avoid interest charges and credit-score damage.
Become an authorized user. If you’re just starting out, or your credit report has a string of negative marks, a good move would be to become an authorized user on someone else’s credit card and build your credit over time. Just make sure the primary holder is responsible and pays their bills on time.
Add new payments to your credit file. There are new services that can add positive information, like on-time utility payments, rent payments, and positive bank balances to your credit report. Not all of these programs apply to all credit bureaus, and some cost money to utilize, but they could boost your credit score over a few months.
Increase your credit limit. A higher credit limit can reduce your credit utilization ratio, assuming your spending does not increase. The only potential problem is that asking for a credit limit increase usually results in a hard credit inquiry, which would temporarily hurt your credit score a bit. But if you get a credit limit increase without asking, or you have a few months before you need the highest credit score possible, a higher limit could definitely help.
Everyone’s credit situation is different, so not every option will be relevant or available to you. The best way to find out exactly what you can do to quickly improve your score is to check out the personalized advice in the Credit Analysis section of your WalletHub dashboard.
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