FAQs
There is anecdotal evidence of applicants with scores as low as the mid-600s being approved, but that's rare. Even for the American Express® Green Card, a more beginner-focused travel card, a score of 670 or higher is probably necessary.
Can I get an American Express card with a 600 credit score? ›
Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.
What is the minimum credit score to get a American Express card? ›
In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.
Can I get American Express with a low credit score? ›
American Express has some entry-level credit cards, but the cards with the most perks and benefits all have annual fees, and American Express still prefers customers who pay the entire balance due each month. You may be approved for a card if your FICO is in the high 600s and up.
What kind of credit card can I get with a 600 credit score? ›
I agree, secured cards are best for a 600 credit score. The Discover it® Secured Credit Card has a $0 annual fee and gives 1 - 2% cash back on purchases. It requires a $200 security deposit to open the account and set the credit limit. The Capital One Platinum Secured Credit Card also has a $0 annual fee.
What is the easiest Amex card to get approved for? ›
The easiest American Express cards to get are those that require a minimum of good credit for approval as opposed to excellent credit only. The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get because they only require good credit.
What is the hardest American Express card to get approved for? ›
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion. And only the super rich and famous can expect to get the call, as...
Is it hard to get approved for American Express? ›
It is hard to get an American Express credit card because all cards offered by American Express require good credit or better for approval, which may be out of reach for the average consumer. Applicants need a 700 credit score and a steady income to have good approval odds for an American Express credit card.
Which FICO score does Amex use? ›
Where does the data on American Express® MyCredit Guide come from? The data on your MyCredit Guide is based on your Experian® credit report. Your FICO® Score is calculated based on information in that credit report.
What credit card is the easiest to get? ›
NerdWallet's Easiest Credit Cards to Get of June 2024
- OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
- Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
- Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.
The minimum credit limit is different for every American Express card and usually falls between $1000 and $3000. American Express explains that every credit card comes with a minimum credit limit and a maximum credit limit.
What is the minimum salary for American Express card? ›
The minimum salary requirement varies from card to card. However, to apply for an American Express® Credit Card, you must have a minimum salary of Rs. 4.5 lakh per annum.
Does American Express look at credit score? ›
Although there's no official score required to apply, the bulk of American Express' cards are designed for consumers with good or better credit. Those who qualify will typically be rewarded with a card that offers rich perks and benefits.
Can I get a Discover card with a 600 credit score? ›
You can get a Discover credit card with any credit score or even no credit history at all. Discover has credit card options to fit every consumer. If you have bad credit or no credit history, you could get a secured card with Discover.
Can I get approved with a 600 credit score? ›
While a score of 600 won't disqualify you from being approved by lenders, it can make things, such as getting a loan or credit card, a little more challenging and will almost always lead to higher interest rates.
Can I get a Capital One credit card with a 600 credit score? ›
According to FICO®, for example, a fair credit score falls between 580 and 669. According to VantageScore®, a fair score ranges between 601 and 660. Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard.
Can I get Amex Gold with a 650 credit score? ›
According to Equifax, one of the three main credit reporting bureaus, that means you'll need a credit score of 670 or higher.
Can I get a credit card with a 650 credit score? ›
Credit scores that fall between 580 and 669 are considered to be fair. While this isn't technically bad, there's plenty of room for improvement. With a 650 credit score, you'll still have the ability to get a credit card.