Do you need good credit to get Amex Gold?

Suggested credit score

It's recommended that you only apply for the American Express® Gold Card if you have a FICO® Score of 670 or higher. Like just about all the best travel rewards cards, this card is for consumers with good or excellent credit.

What credit score do you need for Amex Gold?

Getting the Amex Gold Card isn't the easiest card to qualify for as you need good or excellent credit. That means having a minimum 670 FICO score and existing cards in good standing. Being an existing American Express cardholder can also make it easier to qualify.

Is American Express Gold Card hard to get?

Yes, it is hard to get the American Express® Gold Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be very hard for you to get approved for the Amex Gold card.

Can you get a Amex with a bad 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 lowest credit score for Amex?

The American Express credit score requirement is of at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.

DO NOT Get the Amex Gold Card (UNLESS You Do These 4 Things)

Can I get an Amex card with a 650 credit score?

This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.

Is Amex Gold a luxury card?

Who's this for? If you consider yourself a foodie, the American Express® Gold Card could be the ideal luxury card for you. This card earns a competitive 4X points per dollar spent at restaurants and 4X points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).

Is Amex Gold a heavy card?

Type of metal used and weight of the card

The American Express® Gold Card is our top-rated travel card. The card is made out of stainless steel and weighs 15 grams. Cardholders will have the ability to pay with a tap of their card at select merchants thanks to the card's contactless feature.

How much income do I need for Amex Gold?

If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.

Can anyone get Amex Gold?

The main Amex Gold card requirements for approval are having a credit score of at least 700, being at least 18 years old, and being a U.S. citizen or permanent resident. Amex Gold card applicants must also provide a Social Security number, Individual Taxpayer Identification Number or passport.

What is the easiest Amex card to get?

When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.

Is it hard to get Amex Platinum?

Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have at least good credit and make a lot of money, you have a decent shot at getting approved.

Will Amex check my income?

They will request tax returns and bank statements. What they're looking for is to make sure the income you reported on the application is true. The process typically takes 2-3 weeks, and you're assigned a specialist to talk to.

Is Amex Gold no limit?

If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible.

Can I get Amex platinum with low income?

Salary Needed for Amex Platinum Credit Card

If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.

Is Amex blue or gold better?

If you're spending more than $500 per month at U.S. supermarkets and spend a lot on travel, the Amex Gold card delivers better value. If you subscribe to select streaming services and spend a lot on transit or gas, consider the Amex Blue Cash Preferred card.

Is Amex gold no longer metal?

Amex has confirmed with TPG that the new contactless metal cards (except the Centurion card) are not completely metal, and feature a plastic backside. That means the Amex Platinum, The Business Platinum Card® from American Express and the American Express® Gold Card will no longer be as clunky and heavy as before.

Why Amex Gold is better than platinum?

Is Gold Card Higher Than Platinum? Both Amex Gold and Platinum offer a range of benefits, with the Gold card catering more to everyday spending and the Platinum card designed more for travelers. The Platinum card has more benefits, but it's annual $695 fee is higher than the Gold card's $250 fee.

Do rich people use Amex cards?

Millionaires use credit cards like the Centurion® Card from American Express, the J.P. Morgan Reserve Credit Card. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting.

Why is Amex Gold so good?

While this premium rewards credit card charges a $250 annual fee, several Amex Gold benefits make paying this fee well worth it. These include up to $120 in Uber Cash, up to $120 in dining credits each year and up to a $100 hotel credit with The Hotel Collection.

Is a black card or gold card better?

The Black Card, is a rewards credit card that is the middle-tier offering from Luxury Card. The Gold Card is considered the higher end of the three cards. Benefits for each card vary and can include a 24/7 concierge service, gifts, and worldwide acceptance.

Can I get a credit card with a 512 credit score?

It is 188 points away from being a “good” credit score, which many people use as a benchmark, and 128 points from being “fair.” A 512 credit score won't knock any lenders' socks off, but it shouldn't completely prevent you from being approved for a credit card or loan, either.

Does Amex do a hard pull?

Does Amex make a hard inquiry? When you apply for an American Express credit card, the bank will typically perform a hard inquiry of your credit report. However if your application is denied, it won't show as a hard pull on your credit report.

Are Amex cards hard to get?

Yes, it's hard to get an American Express card because they all 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. Barclays and Wells Fargo do too, for example.

Should I tell AmEx my income?

You should update your income with your credit card issuer if it has increased since you applied for your card. If your income has gone down, then it's better not to update it with your card issuer. Here's why: Credit card issuers use your income to determine your card's credit limit.