The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million. They’ll also reportedly need to meet lofty spending requirements on other Amex accounts every year just to get an invitation to apply. Additionally, the Centurion® Card from American Express carries a $5000 annual fee and a $10,000 initiation fee.
The Centurion® Card from American Express is clearly not for everyone, but Amex does offer other premium cards such as The Platinum Card® from American Express. Anyone can apply for the American Express Platinum card, which is not as hard to get as the Black Card but still requires at least good credit to be approved.
The American Express Platinum card shares many of the same features as the Black Card, and also comes with a high price tag. The annual fee is $695, which some people may consider a bargain when compared to the Black Card’s exorbitant costs.
There are no American Express credit cards that are easy to get. They all require good credit or better. The USAA® Secured American Express® Card used to be the easiest American Express card to obtain as it was available to people with bad credit. But USAA® Secured American Express® Cardis no longer available to new applicants.… read full answer
While American Express credit cards aren’t that easy to obtain, there are several other credit cards that are easy to get approved for.
Having one of these credit cards may increase your chances of landing an American Express credit card in the future, if you use it responsibly. That means paying your bill on time every month and keeping your credit utilization below 30% of your credit limit.
Yes, the American Express Platinum card is hard to get approved for. It will be difficult for the average person to get Amex Platinum because of the card’s 700+ credit score requirement and reportedly high income requirement. Anecdotal evidence suggests most people need to make at least $40,000 to $50,000 per year and that approval odds are best with $100,000 or more in annual income.… read full answer
Another factor that makes it hard to get Amex Platinum is the card’s daunting $695 annual fee. However, if you are a big spender and are able to take advantage of the card’s substantial rewards and benefits, Amex Platinum can absolutely be worth it.
Amex Platinum isn’t the hardest Amex card to get, though. Its requirements are far more lenient than those of Amex Centurion, which is an invitation-only card that reportedly requires you to spend at least $100,000 per year on another Amex card and have an annual income of at least $1 million to qualify.
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