You can no longer get an American Express card with bad credit, now that the USAA® Secured American Express® Card has stopped accepting new applications. So you have two options: become an authorized user on a friend’s or family member’s American Express credit card account, or apply for a non-Amex credit card that’s marketed as being for people with bad credit. For the latter approach, Capital One and Discover are two good options.
If you’re not convinced, you can check for Amex pre-approval online to see for yourself before actually risking a rejected application.
You can't normally, as American Express address mostly applicants with at least good credit. The USAA® Secured American Express® Card was the exception, but you'll have to qualify for their membership.
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.
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.
The American Express credit score requirements are 700 or higher for all Amex credit cards, as of October 2020. That means American Express applicants need either good or excellent credit to get approved for a card. As a result, Amex cards are a bit difficult for the average person to get, but are attainable for people who build a history of responsible credit use.… read full answer
If you’d like to get a better idea of whether you meet the American Express card credit score requirement, you can use Amex’s online pre-qualification tool. It will show you which Amex cards you’re likely to be approved for. Pre-qualification has no impact on your credit.
Keep in mind that unlike some issuers, Amex doesn’t really cater at all to bad or fair credit. In the past, people with bad credit could get approved for a secured card on the American Express network, but not anymore.
Also, while your credit score is one of the biggest factors that determines whether you get approved or denied for an American Express card, there are plenty of other things Amex considers, too. Amex will look at your existing debts, income, recent credit inquiries, open accounts and more when evaluating your application.
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