What's the easiest American Express card to get?

Question

It's harder to get an American Express card than it is to get a credit card from many other major issuers simply because all of Amex's credit card offers require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclaycard and Chase do too, for example. And if you're fortunate enough to have good credit or better, an American Express credit card will be no harder to get than any other credit card.… read full answer

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 companies such as Delta and Hilton as well as offers with lower annual fees. Co-branded cards often have relatively high approval rates to accommodate more fans of the brand (e.g. Hilton) in question. And some of Amex's premium cards for big-spenders, which can be relatively difficult to get, have high fees.

Easiest American Express Cards to Get:

Blue Cash Everyday® Card from American Express

The Amex EveryDay® Credit Card from American Express

Delta SkyMiles® Blue American Express Card

Hilton Honors American Express Card

Of course, American Express also evaluates each applicant's income and debt obligations to make sure they can afford monthly bill payments on a new line of credit. But there isn't much information available about Amex's standards in those regards, and you shouldn't expect them to differ too much from other credit card companies' policies.

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Answer 1 · 2021-05-07 06:32:45

Lawrence Stone, Wallethub Credit Card Analyst

@lawrence50 • 05/07/21 This answer was first published on 05/29/18 and it was last updated on 05/07/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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There are no American Express credit cards that are easy to get as they all require good credit or better. The USAA® Secured American Express® Card used to be the easiest American Express card to get as it was available to people with bad credit, but it is no longer available to new applicants. None of the current credit cards issued by American Express and/or on the American Express network are especially easy to get because they all require a minimum of good credit.

While American Express credit cards aren’t that easy to get, there are several other credit cards that are easy to get approved for. And if you have at least fair credit, you have a shot at cards with more rewards.

Answer 2 · 2019-10-11 23:20:51

faraz79415, Member

@faraz79415 • 10/11/19 This answer was first published on 10/11/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Honestly, I have a 632 credit score, and I have 3 AMEX cards. One gold Personal card, one gold business card, and a regular Hilton Rewards card. AMEX understands if you have made mistakes in the past. You goal is to first reestablish yourself as a credit worth customer. After you do this, you can get any AMEX you would like with the exception of the Black but that’s invitation only. Best of Luck!!!

Answer 3 · 2021-05-28 13:40:55

Chris Johnson, Member

@chrisj979 • 05/28/21 This answer was first published on 05/28/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

Which AMEX card has the lowest requirements?

@pwgop1

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The Gold Delta Skymiles Amex has always had a reputation for being the easiest to get as I’m not a credit under writer I can’t say for sure but based on what I’ve heard over the years between 640-660 should be good enough credit to get this card… it’s the only one ever listed for someone with “Average Credit”

Answer 4 · 2021-06-28

@pwgop1

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The Gold Delta Skymiles Amex has always had a reputation for being the easiest to get as I’m not a credit under writer I can’t say for sure but based on what I’ve heard over the years between 640-660 should be good enough credit to get this card… it’s the only one ever listed for someone with “Average Credit”

Answer 5 · 2018-07-05 00:30:54

Bonnie T, Member

@bonniet_26 • 07/05/18 This answer was first published on 07/05/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

Answer 6 · 2018-04-16 05:49:21

Robert Haan, Member

@rob_haan • 04/16/18 This answer was first published on 04/16/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

What's the easiest American Express card to get?

Lawrence Stone, Wallethub Credit Card Analyst

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