There are several types of American Express cards for consumers and small business owners, including traditional rewards credit cards and charge cards that require payment in full each month. Among those two main types of Amex cards, there are offers with cash back rewards, rewards points, no annual fees, no foreign transaction fees and/or 0% introductory APRs. Some American Express cards are co-branded with airlines and hotel chains too.
The most common types of American Express cards are travel cards that do not charge foreign transaction fees. The American Express Platinum Card and the Hilton Honors American Express Card are two notable examples. Top representatives for some other Amex card types include Blue Cash Preferred (cash back), Amex EveryDay (0% intro APR) and Cash Magnet (no annual fee).
Although American Express cards fit into a wide range of categories, there’s nothing available for people with limited or bad credit. You’ll need good or excellent credit to have a good chance of getting approved for an American Express card, regardless of type.
75,000 points for making $5,000 in purchases during your first 6 months. $200 Uber credit and $200 airline fee credit annually. 5 points per $1 for flights and hotels booked through the Amex travel website or directly with airlines. Access to 1,000 global lounges with a Priority Pass membership worth $429 per year. Good credit needed. $550 annual fee. 0% foreign transaction fee.
$150 statement credit for spending $3,000 in the first 6 months. 6% back on $6,000 spent at supermarkets per year. 3% cash back at gas stations and transit. 1% back everywhere else. Good credit needed. Annual fee of $0 intro 1st yr, $95 after. 2.7% foreign transaction fee.
150,000 points for spending $4,000 within the first 3 months. 14 points / $1 at Hilton hotels. 7 points / $1 on flights, and 3 points / $1 on all other purchases. Good credit needed. $450 annual fee. 0% foreign transaction fee.
80,000 miles and 20,000 Medallion Qualifying Miles for spending $5,000 in your first 3 months. Medallion Qualifying Miles (MQMs) earn you status in Delta’s tiered loyalty program. 3 miles / $1 on Delta purchases, 1 mile / $1 everywhere else. Domestic round-trip companion certificate every year on your anniversary. Good credit needed. $550 annual fee. 0% foreign transaction fee.
There are several good options for an Amex travel credit card. But it’s worth noting that Amex cards don’t have the high global acceptance rates of Visa and Mastercard credit cards, so you could run into trouble if it’s your only travel option. And if you’re interested in non-Amex alternatives, the Capital One Venture Rewards Credit Card offers a 50,000 mile initial bonus, and 2 miles / $1 on every purchase for an annual fee of only $95.
That would be the American Express Centurion card, also dubbed the Black Card. It is invitation-only, and to qualify, you will need to spend over $250,000 on an American Express Platinum card within a year. This amount is not officially confirmed, and it is important to note that spending enough and having good credit standing doesn’t mean you’ll automatically be invited to apply. There are likely other requirements, too. American Express doesn’t publicize many details about the Centurion card, since the secret formula behind who gets invited is part of the exclusivity. This card has no preset spending limit, which means its limit is determined on a month-by-month basis depending on the cardholder’s spending and payment habits, as well as the economy. Its features include a dedicated concierge, complimentary companion airline tickets and hotel nights, access to airport lounges, flight upgrades and personal shoppers at luxury retailers.… read full answer
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.
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