Is it hard to get a Amex Gold Card?

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.

What credit score do you need to get an Amex gold card?

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.

Is Amex gold card Impressive?

Snapshot. The Amex Gold card is an incredible option for earning travel rewards on dining and U.S. supermarket purchases. But the annual fee and lower rewards value for non-travel options likely make this a poor fit for occasional travelers or households just looking for cash back on everyday spending.

How much income do you need for Amex Gold 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.

Can anyone get a Amex gold card?

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.

Amex Gold Card - 1 Year Later (4 Things You NEED to Know)

What is the easiest Amex card to get approved for?

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 Amex Gold 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.

What is the highest credit limit for American Express Gold Card?

Delta SkyMiles® Gold American Express Card

Highest reported credit limit: $50,000, according to a post on the myFICO forums. Welcome offer: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first six months of account opening.

Does Amex check 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.

Do you have to pay Amex Gold in full every month?

You have the option to carry a balance each billing cycle, though a minimum amount is due. Payment is required in full each month in order to avoid late/penalty fees.

Is Amex Gold for rich?

No,. American Express is not specifically for rich people, even though it does have a high level of status in many people's minds. Applicants need good or excellent credit scores of 700+ to qualify for Amex credit cards, and you don't need to be rich to have a good credit score.

Is Amex Gold a top tier card?

The Amex Gold's $250 annual fee places it between mid-tier and premium-level cards. Although there's no direct comparison on the annual fee front, several cards offer similar bonus categories and perks. One of the most obvious comparisons is the Chase Sapphire Preferred Card, with a $95 annual fee.

What is the hardest American Express card to get?

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.

What FICO does Amex pull?

American Express appears to primarily pull credit reports from Experian, but this doesn't mean it doesn't occasionally pull from one or both of the other major consumer credit bureaus as well.

Is the Amex gold card metal?

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.

Does Amex Gold Card have no preset limit?

Unlike a traditional credit card, your Card has no preset spending limit, a unique feature that gives you flexible spending capacity. * This means the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Does Amex approve everyone?

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's a good annual income for American Express?

We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum. The Amex Business Platinum card gives you a little more wiggle room because even if you have low business income or are just starting your business, you can still qualify for an Amex small business card.

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.

Does Amex Gold get you into airport lounges?

The Amex Gold card does not offer any complimentary airport lounge access. Bottom Line: If you value worldwide lounge access, the Amex Platinum card is a clear winner as the Amex Gold card does not offer any form of airport lounge access.

Does Amex Gold have a 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.

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 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.

Why is Amex so 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.

Which American Express card is the most prestigious?