People drive me nuts with these answers, critical thinking skills are missing. Even if the cards are “hard” to get it still has levels. I read the question not as “is it easy to get an Amex” but “which card has the lowest requirements?” Lowest requirements doesn’t mean 500 credit score it simply means the lowest for that company which could be 750, it’s not a low number but is the LOWEST REQUIREMENT. From reading the answers NONE of you answered the question just went on your personal rant. So for clarity I will re-ask the question for the OP.
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.
Generally their cobranded cards (Delta, Hilton, etc) are easier to get approved for than their core revolving cards (Blue Cash Everyday, Blue Cash Preferred) or charge cards (Platinum, Gold, Green). Some say their charge cards are easy to get than their core revolving.
There is no way to know how high American Express credit limits are as Amex doesn’t disclose this information in their cards’ terms and conditions. Your credit limit will depend on your credit history, debt level, income, and payment history on other American Express cards. So, you won’t know your American Express credit limit until you’re approved for an account.
One way to estimate what credit limit you might get on 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...
If your credit score is below the threshold needed for a credit card from American Express, it’s best to apply only after you meet the credit score requirement. You can check your credit score for free, right here on WalletHub.
I don't think they've got any secured cards, if that's what you're asking. The easiest ones are ones you can get with a "Good" score, which is to the tune of 700 and above. It's not exactly easy, but if you're around those numbers, you have a nice pick of cards with rewards, like Blue Cash Everyday.
Amex cards aren't easy to get. If you don't have (at least) good credit, I'd say look elsewhere. Capital One, Citi, and Discover have good secured cards or maybe cards designed for fair credit.
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