What is the minimum FICO score for American Express?

To get approved for this card you'll want a credit score of at least 670 to get approved, but some people have reported having a score as low as 630 and being able to get the card.
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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.
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Can I get an Amex with 710 credit score?

This means you need a credit score of at least 700. The average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.
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Does AMEX use FICO 8?

What credit score does Amex use? Data points indicate that American Express uses the FICO 8 scoring model from the Experian credit bureau. The bank is also likely to pull the same score from either Equifax or TransUnion but the applicant won't know until after they try.
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Does Amex do a hard pull?

Yes, American Express does a hard inquiry when you apply for a loan. This credit report inquiry will likely drop your credit score by about 5 to 10 points, but you'll be able to get back on track with a few months of on-time payments.
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Minimum Credit Score To Be Approved For Each Amex Card



Which Amex 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.
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What Bureau does AMEX pull?

Amex primarily pulls Experian, though sometimes Equifax or TransUnion reports. Chase favors Experian, but may also buy Equifax or TransUnion reports.
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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.
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Can I get an Amex card with a 660 credit score?

To get approved for this card you'll want a credit score of at least 670 to get approved, but some people have reported having a score as low as 630 and being able to get the card.
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What credit score is needed for Amex Blue?

The Amex Blue Cash Everyday card is hard to get because applicants need to have a score of 670 or higher to be approved for the card. However, you'll have a better chance of being approved for the card if you have at least a very good FICO score (740 to 799).
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What credit score do you need for credit one American Express?

What credit score do I need to be approved for the Credit One Amex card? The recommended credit score for approval is fair to good, which falls between 580 and 740 on the FICO scale.
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Does American Express check your income?

No, American Express does not verify income on most credit card applications or credit line increase requests. Amex will generally require income verification only if something seems out of the ordinary, such as a 21-year-old claiming to have an annual income of $150,000.
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How many inquiries is too many for Amex?

How Many Inquiries Is Too Many For Amex? In general, when you have 6 hard inquiries, it's too many for Amex.
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Does Amex Express use TransUnion or Equifax?

American Express uses Experian most of the time. Though Amex will use the other 2 major credit bureaus, TransUnion and Equifax, for some applications, they pull Experian for the majority. Amex usually only does hard credit pulls for new applications.
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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.
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Does Amex prequalify affect credit score?

American Express pre-approvals do not affect your credit score, as they're done using a soft "pull," or inquiry.
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What does Amex prequalified mean?

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Being pre-qualified for a credit card means the issuer has done a soft pull of your credit history and concluded that you are a good fit. It also means you have an 80%+ chance of acceptance if you decide to apply for the card in question. It's very similar to pre-approval in those regards.
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Does Amex have a 5 24 rule?

While American Express doesn't have a "5/24" rule like Chase does, the issuer does limit welcome offer eligibility based on your card history — nominally, you're eligible for one welcome offer per credit card “per lifetime,” but it's not necessarily as simple as that.
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Does Amex do soft pulls?

According to Doctor of Credit, once you have one card with American Express, the bank will do a soft pull on your credit report monthly, to check that it's in good standing. This is the internal information they draw from to judge whether or not you are conditionally approved for your second, third, etc.
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Does Amex care about hard inquiries?

If you're an existing cardholder and you apply for a new card, Amex will not perform a hard pull on your credit if you get denied. They use the information they have on file for you to conditionally approve you, then perform a hard pull to double-check that there have been no major changes to your credit report.
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Does Amex use FICO score 9?

The company adds this “is the same score that Mr. Cooper uses, along with other information, to manage your account.” American Express writes, “Your FICO Score 8 based on Experian data is the same score used by American Express.” Wells Fargo says it's using FICO Score 9, also from Experian.
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What credit score do you need for an Amex Platinum?

While there is no set score needed, we recommend you have a credit score of at least 720, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the Amex Platinum card.
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