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.
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.
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
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...
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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