Keep in mind that no matter what your initial Hilton Credit Card credit limit will be, you can always ask for a credit limit increase. You can do that, either online or by calling either the number on the back of your card.
When I applied for this card I had a FICO score of 660 and Vantage 2.0 of around 700 (one agency 697 and the other 714). They approved me and I ended up with a credit line of $1000. I imagine, based on the research I’ve done, that I’m essentially near the bottom of the low end to get approved for this card. The good thing about Amex, though, is they are pretty generous about credit line increases. I’ve seen others go in and get a 3x bump after 60-90 days of on time payments and not carrying a balance. I believe being signed up for auto-pay on the full balance also works in your favor.
There is no way to know how high American Express credit limits are. You won’t know your American Express credit limit until you’re approved for an account. American Express does not disclose a minimum credit limit in their cards’ terms and conditions, unlike some other major issuers. All Amex says is that your credit limit depends on your credit history, debt level, income, and payment history on other American Express cards.… read full answer
One way to estimate what credit limit you might get on an American Express card is to read customer reviews of the card. People will often post what limit they received, sometimes with their credit score and income. But you should take any of these numbers with a grain of salt. Just because someone with a similar credit score or income got a certain limit, it doesn’t mean you will, too.
The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million. They’ll also reportedly need to meet lofty spending requirements on other Amex accounts every year just to get an invitation to apply. Additionally, the Centurion® Card from American Express carries a $5000 annual fee and a $10,000 initiation fee.… read full answer
The Centurion® Card from American Express is clearly not for everyone, but Amex does offer other premium cards such as The Platinum Card® from American Express. Anyone can apply for the American Express Platinum card, which is not as hard to get as the Black Card but still requires at least good credit to be approved.
The American Express Platinum card shares many of the same features as the Black Card, and also comes with a high price tag. The annual fee is $695, which some people may consider a bargain when compared to the Black Card’s exorbitant costs.
The Hilton Honors American Express Card is not a metal credit card, as it is made of plastic like most other credit cards. There’s no functional difference between a plastic card like the Hilton Credit Card and a metal credit card, though, so don’t dismiss the Hilton Credit Card just because it isn’t metal. If you like the card’s terms and benefits, you should still consider applying. … read full answer
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