John S Kiernan, Managing Editor
@John
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 about getting approved.
Easiest American Express Cards to Get
- Rates & FeesTerms ApplyBest for Everyday Purchases: Blue Cash Everyday® Card from American ExpressBlue Cash Everyday® Card from American ExpressLearn MoreLearn Moreon issuer's website
- No Annual Fee: The Amex EveryDay® Credit Card from American ExpressThe Amex EveryDay® Credit Card from American ExpressLearn MoreLearn More
- Rates & FeesTerms ApplyAirline Rewards: Delta SkyMiles® Blue American Express CardDelta SkyMiles® Blue American Express CardLearn MoreLearn Moreon issuer's website
- Rates & FeesTerms ApplyHotel Perks: Hilton Honors American Express CardHilton Honors American Express CardLearn MoreLearn Moreon issuer's website
Keep in mind that 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. However, there isn't much information available about Amex's standards in those regards. But you shouldn't expect them to differ too much from other credit card companies' policies.
You should also note that while Amex cards are relatively hard to get, there are several other credit cards that are easy to obtain.
Easiest Credit Cards to Get
- No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website
- No Annual Fee: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn More
- Unsecured: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
- Rates & FeesCash Back: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
If you don’t know where you stand, check your credit score for free, right here on WalletHub. You can also track your progress with free daily updates.
People also ask
How can I get an American Express credit card?
You can get an American Express credit card by applying online or over the phone at (800) 223-2670.
To get your American Express application approved, you must be at least 18 years old and have good credit or better, a Social Security Number or Individual Taxpayer Identification Number, a U.S. address, and enough annual income to afford the minimum payments.
How to Get Approved for an American Express Credit Card
- Check your credit score: All...
What credit score is needed for an American Express business card?
The credit score needed for an American Express business card is at least 700. That means you must have at least good credit for decent approval odds. At the moment, American Express does not offer business cards for bad, fair, limited or no credit. Nor do they have any secured business cards to help rebuild credit.
It’s important to note that an applicant’s credit score is not the only factor that Amex considers. Things such as payment history, income and...
read full answerWhat's the easiest American Express card to get?
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...
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