Yes, it is hard to get the American Express® Gold Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be very hard for you to get approved for the Amex Gold card.
In order to get the Amex Gold card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN or ITIN.
Keep in mind that even if you meet all of the requirements for the Amex Gold card, you’re never guaranteed to be approved.
The American Express® Gold Card credit score requirement is 700 or higher. That means people with good credit or better have a shot at getting approved for the Amex Gold card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Amex Gold card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Amex Gold card credit score requirement. You can check your credit score for free on WalletHub.
The biggest Amex Gold Card requirements are having a credit score of at least 700, being at least 18 years old, and being a U.S. citizen or permanent resident. Amex Gold applicants must also provide a Social Security number, Individual Taxpayer Identification Number or passport. Another major requirement is a steady income. American Express does not disclose a specific income requirement, but it will need to be enough to make payments on the card and to afford the $250 annual fee.… read full answer
Amex doesn’t openly state any other Amex Gold Card requirements, but there are plenty of other factors that Amex considers during the approval process. The amount of existing debt you have, the number of accounts you have open, and the number of recent hard inquiries on your credit report are among those factors. Amex looks at your entire financial profile when making a decision.
One way to get a better idea of whether you meet the Amex Gold Card requirements is to use Amex’s pre-qualification tool. Just put in a few personal details and Amex will show you all cards they think you’d likely be approved for. This pre-qualification process won’t impact your credit.
Enter your home zip code (the one you used on the application).
Click the “check application” button at the bottom of the page.
The system will then take you to a page listing the status of any American Express applications you’ve sent in. It will say “approved,” “denied,” “in progress” or “cancelled.” There’s also a helpful “next step” box beside the status that will guide you through what to do after checking.
An “in progress” status may tell you how long you can expect to wait, which could be anywhere from a few days to over a week. A “cancelled” status, according to users who have experienced it, most likely means Amex needs more information to verify your identity.
Here’s how to check your American Express credit card application status by phone:
When prompted to say what you’re calling about, say “application status.”
Say or type the last 4 digits of your SSN when asked.
Say or type your zip code when asked.
Listen for your application status.
That’s all there is to it. Neither method is more involved or takes much more time than the other. If you’re approved, you should receive your card in 7-10 business days. If you’re denied, you can always call Amex’s reconsideration line at (866) 314-0237. But you’ll have to make a good case for why they should approve you (e.g. your income recently went up or some of the information on the application was incorrect).
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.