Amex Gold Card approval odds are best for pre-qualified applicants with good credit and proof of a steady income. When reviewing an application, Amex will also consider factors such as outstanding debt, number of recent credit inquiries, and monthly housing payment amounts, among others. Amex doesn’t publicly disclose specific benchmarks for getting approved, but generally, applicants with a history of timely payments, a high credit score and a low debt-to-credit ratio should expect to have high approval odds.
To eliminate any guesswork, you can use the Amex online pre-qualification tool. You’ll know right away what your approval odds are for Amex Gold. Just enter your name, address, annual income and the last four digits of your Social Security number on the pre-qualification home page. Then click the “View My Card Offers” button, and you’ll see all the Amex cards you are pre-qualified for. If you get an Amex Gold pre-qualified offer, it doesn’t mean you’re automatically approved for the card, but the approval odds are in your favor if you apply.
You can check out WalletHub’s review of the best American Express credit cards to find a good option for carrying a balance. Just don’t expect to find a low regular APR. American Express credit cards are known more for rewards than low rates.
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