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What is the minimum credit score needed to receive an American Express card?

14 Answers

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  • echo
    Lv 7
    1 decade ago
    Favorite Answer

    Amex tends to base their approvals/denials on peoples credit reports more than solely on credit scores.

    Also, much depends on which card you apply for.

    Even though they tend to base things more on credit report over scores, I've seen people get approved with FICO scores in the low 600's - again dependent on the card that was applied for.

    If you have recent major/minor negatives, within the past two years, it may be difficult to be approved.

    If you have older negatives, but not many, then you "may" be approved.

    If you have older negatives or you are just starting to build a credit file and you want to apply, you might apply for the Delta Gold. The annual fee on that card is waived for the first year, it is also one of the easier cards for those with negatives, or just starting to build, to get approved for.

    Keep it in good standing for 4-6 months then call them and ask if you can convert the card to one that you would rather have. (they do convert the cards so if you get a CSR that says it's not possible, say thank you, hang up and try with a different one)

  • adamek
    Lv 4
    4 years ago

    Credit Score For American Express

  • Anonymous
    6 years ago

    RE:

    What is the minimum credit score needed to receive an American Express card?

    Source(s): minimum credit score needed receive american express card: https://trimurl.im/b42/what-is-the-minimum-credit-...
  • Anonymous
    7 years ago

    Pretty sure that you might find all financial solution at= loanfocus.info-

    RE What is the minimum credit score needed to receive an American Express card?

    #EANF#

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  • 5 years ago

    minimum credit score needed receive american express card

  • ?
    Lv 4
    6 years ago

    Minimum required score is 750 with a good credit history for atleast 2 years. No defaults in making payments on credit card.

  • 5 years ago

    Amex Fico Score

  • 1 decade ago

    I have a 680 credit score. And I got an American Express Blue. And I love it because you can pay the min payment or the whole balance. And No annual fee....

  • Anonymous
    5 years ago

    That's interesting

  • Anonymous
    6 years ago

    Not sure if you found it yet. But if you still need it try https://tr.im/25AY1 its a great place with a good track records in the industry. Flexible and has been in the business for many years now. They work fast and you'll know if the terms they are offering are good enough for very quickly.

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