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.
You won’t know your American Express credit limit until you’re approved for an account. American Express does not disclose a minimum credit limit in their cards’ terms and conditions, unlike some other major issuers. All Amex says is that your credit limit depends on your credit history, debt level, income, and payment history on other American Express cards. … read full answer
One way to estimate what credit limit you might get on an American Express card is to read customer reviews of the card. People will often post what limit they received, sometimes with their credit score and income. On Amex cards for good credit, people seem to report starting with limits of $1,000-$5,000 most often. But you should take any of these numbers with a grain of salt. Just because someone with a similar credit score or income got a certain limit, it doesn’t mean you will too.
The Blue Cash Everyday credit score requirement is good credit or better. A 700 credit score would give you a decent chance of being approved. The likelihood of approval increases the closer you get to a perfect credit score of 850.
But your credit score is only one of the factors considered when you apply. American Express will also consider your income, existing debts, number of recently opened accounts and other things. Make sure you are aware of what American Express looks for before applying.… read full answer
Here’s what we know about Blue Cash Everyday credit scores:
Blue Cash Everyday requires a good or excellent credit score for approval.
To have good approval odds for Amex Blue Cash Everyday, a credit score of 700+ is needed.
Blue Cash Everyday’s non-credit score requirements include a steady income and a Social Security Number, ITIN or passport. American Express will also look at your expenses, existing debt, payment history and recent credit inquiries.
The Blue Cash Everyday card’s good credit score requirement is consistent with all credit cards issued by American Express. For example, the Blue Cash Preferred, Premier Rewards Gold and Amex EveryDay cards also require a credit score above 700 for good approval odds.
Some cards on the Amex network have lower credit score requirements than Blue Cash Everyday. For example, people with bad credit can get the USAA Secured Amex Card.
At the very least, you’ll want to check your latest credit score before you apply for Blue Cash Everyday. You can also get a better idea of your Blue Cash Everyday approval chances by checking for pre-qualified offers on Amex’s website. People who are pre-qualified aren’t guaranteed approval, but they’re very likely to be approved.
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