Archie Conway, WalletHub Financial Advisor
@ArchieConway
The credit score needed for an American Express business card is at least 700. That means you must have at least good credit for decent approval odds. At the moment, American Express does not offer business cards for bad, fair, limited or no credit. Nor do they have any secured business cards to help rebuild credit.
It’s important to note that an applicant’s credit score is not the only factor that Amex considers. Things such as payment history, income and current debts are also important. But the higher your score, the better your chances of approval become. Keep in mind that Amex will look at your personal credit during the approval process because you will have to provide a personal guarantee to pay Amex back if the business cannot. This is normal for business credit cards.
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Is it hard to get an American Express card?
Yes, it's hard to get an American Express card because you will need a good or excellent credit score for approval, along with enough income for monthly bill payments. The easiest American Express cards to get are those that require a minimum of good credit for approval, as opposed to excellent credit only. You may also want to target cards that are co-branded with a certain hotel or airline, as well as offers with lower annual fees, if you're concerned...
read full answerWhat credit score do you need for an American Express Platinum card?
The American Express Platinum card credit score requirement is 700 or higher. This means applicants need good credit or better to be approved for the American Express Platinum card in most cases. If you don’t know where you stand, you can check your credit score for free, right here on WalletHub. To gauge your odds of approval, you can also check to see whether you pre-qualify for American Express Platinum card offers.
The American Express Platinum card credit score requirement isn’t the only thing that determines whether you’ll be approved, though....
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