Is it hard to get an American Express card?

You need a credit score of 700 for an American Express business card. That means you must have at least good credit for decent approval odds. 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.… read full answer

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 current debts are also important. But the higher your score, the better your chances of approval become. Keep in mind that Amex will look at your personal credit during the approval process because you will have to provide a personal guarantee to pay Amex back if the business cannot. This is normal for business credit cards.

The USAA Secured American Express Card is the easiest American Express card to get. It’s issued by USAA, but it’s on the Amex card network, which means you can use it anywhere Amex is accepted. It’s also available to people with bad credit, unlike anything Amex offers. None of the credit cards issued by American Express is especially easy to get because they all require a minimum of good credit. That means a score between 660 and 720, although a score of 700+ will give you the best chance. … read full answer

The USAA Secured Card is available to people with bad credit, but it has an important restriction: You or a member of your family must have served in the U.S. military. I’ll fill you in on a few more important details below.

Here’s what you should know about the easiest American Express card to get:

• Name:USAA Secured American Express Card
• Issuer: USAA
• Card Network: American Express
• Approval Requirements: You can get this card with bad credit, but you need be affiliated with the U.S. armed services or have a family member who is. USAA will also consider your income, expenses and debt.
• Annual Fee: $35
• Deposit: $250 to $5,000. Held in a CD that earns you interest. Serves as your credit limit.
• Rewards: None
• APR: 11.15% to 21.15%, based on credit worthiness. You’ll have the same APR for purchases, cash advances and balance transfers.

The easiest American Express credit card to get is the USAA Secured Card, so long as you’re eligible for USAA products. Ifyou’re not, you might want to focus on one of the Amex cards that require good credit, like the Amex EveryDay Credit Card. And if you don’t get have good credit right now, consider a card from an issuer like Capital One, which has offers for people of all credit levels.