Is Amex Gold easier to get than Platinum?

When debating the benefits of the Amex Platinum vs. Gold, the Amex Platinum easily comes out ahead in terms of travel perks based on a few factors. It starts with the fact that you get Priority Pass Select airport lounge access (worth $429).

Is Amex Gold higher than Amex Platinum?

Amex Platinum ultimately offers more value, though. For example, its benefits include airport lounge access, while the Amex Gold Card's perks do not. When it comes to ongoing rewards on purchases, Amex Platinum has a higher maximum earning rate and better travel rewards. But Amex Gold provides more everyday value.

Is it hard to get approved for Amex Gold?

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.

Is it easy to upgrade Amex Gold to Amex Platinum?

Yes, you can easily upgrade your Amex Gold card to the Amex Platinum card by calling the customer service number on the back of your Amex Gold card or using the chat feature on the American Express website.

Is the Platinum or Gold American Express better?

Some say that the Platinum card is simply a dressed up Gold card. The Gold card will cost you a $250 annual membership fee. While the Platinum account charges no interest because balances must be paid in full each month, the Gold card offers the option of carrying a balance on certain purchases over $100 with interest.

Why Amex Gold Card Is Better Than Platinum For Most People

What credit score do you need for an Amex Platinum?

The Platinum Card® from American Express requires good to excellent credit to qualify. This is typically defined as a credit score of 690 or better. Issuers will usually also consider your current debts, income, and other pertinent information.

What credit score is needed for American Express Gold Card?

There is not set credit score needed in order to be approved for the Amex Business Gold card, but we recommend that you have a personal credit score of at least 700, or a business credit score of at least 75, plus 2 years of good credit history.

Can I downgrade Amex Platinum to gold?

To downgrade the American Express Platinum card, call customer service at (800) 528-4800 or the number on the back of your card. There is no option to downgrade online or via mail. You can downgrade from the American Express Platinum card to either the American Express® Gold Card or the American Express® Green Card.

Does Amex Platinum have a limit?

No, the American Express Platinum card doesn't have any preset spending limit. That does not give cardholders unlimited purchasing power, though. It means American Express won't give you a specific credit limit once you're approved for the card.

Is it worth upgrading to Amex Gold?

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 and up to $120 in dining credits each year.

Which American Express card is the easiest to get?

You have a high chance of getting approved for the Amex Blue Card if you 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.

What is the Amex Gold Limit?

Does the American Express Gold Card have a limit? The American Express® Gold Card has no preset spending limit, which reflects its origins as a charge card — a card that requires you to pay your bill in full every month.

What FICO does Amex use?

When you apply for an American Express credit card, the company will almost always check your credit report with Experian. In some very rare cases, American Express will check with a different credit bureau. Remember that all three credit bureaus get their information from the same place: your financial life.

What is the highest level Amex card?

The highest level American Express card is the Centurion card, which is also known as the 'black card.

Does Amex Gold get you into airport lounges?

The Amex Gold card does not offer any complimentary airport lounge access.

Is Amex gold card luxury?

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 Platinum prestigious?

The Amex Platinum is one of the most prestigious travel credit cards you can own.

Is the Amex gold card metal?

The American Express^® Gold Card is constructed with a mix of materials that include stainless steel, just like the Platinum Card. The difference is that the Gold Card is slightly lighter and features its signature gold color.

Can I have both Amex Gold and Platinum?

Having both the Amex Gold and Amex Platinum can make sense if you use both cards enough to offset the annual fees. You can use the American Express® Gold Card for its dining credits and 4x purchase rewards on dining and supermarket purchases.

Can I upgrade my Amex Blue card to gold?

You can get an American Express card upgrade through a targeted online or mail offer. Amex cardholders may also contact customer service at 1 (800) 528-4800 to request an upgrade, which is commonly known as a product change.

Can you have two Amex Gold cards?

As TPG contributor Ethan Steinberg explained here, you can pair three Amex cards (the Platinum and Gold cards, plus The Blue Business® Plus Credit Card from American Express) to really maximize your rewards on just about every bonus category and everyday, non-bonus spending.

Can I apply for two Amex cards at once?

If you are applying for multiple Amex cards, simply wait at least six days to ensure you don't get rejected for that second card. You can apply for two Amex cards in one day—as long as one is a charge card and the other a revolving credit card. Otherwise, you won't qualify under the 1-in-5 rule.

Can I get an American Express card with a 700 credit score?

The American Express credit score requirement is 700 or above, depending on the card. That means people with good to excellent credit are eligible to be approved for an American Express credit card.

Is Amex prequalify accurate?

With either preapproved or prequalified Amex offers, the issuer uses information like your income to determine if you're in the target audience for a particular card. Both are good indicators that you will be approved when you apply, though preapproved is a slightly better chance.

Can I get an American Express card with a 600 credit score?

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.