The Minimum Requirements for American Express Cards [2024]

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Updated: August 29, 2024, 1:13pm CDT

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The Minimum Requirements for American Express Cards [2024]

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Key Takeaways

Accepted in over 170 countries, American Express is a key worldwide card issuer and payment processing network. And while Visa is the most accepted card network globally, a recent Nilson report found that American Express cards are accepted at 99% of places in the U.S. that accept credit cards.

The increased acceptance is positive, but you’ll also find that American Express produces a uniquely diverse lineup of cards aptly suited for any consumer who has good to excellent credit. We’ll dive deeper into what it takes to qualify for an American Express card shortly, but first, let’s consider the value of doing business with the company and some of the benefits you can expect. Then, we’ll review some of the best cards American Express has to offer.

Let’s move forward with the information you’ll need to have the best chance of being approved for an American Express card.

The Value of an American Express Relationship

While earnings, redemption options, and benefits vary by card, you’ll find a wide range of value-added features and benefits on American Express cards.

Credit Card Earning, Redemption, Travel and Shopping Benefits, and More

Additional Services

Bottom Line: Selecting any American Express card and developing a positive credit history with the card issuer can lead to a long-term relationship of rewards-earning, good-value travel redemptions, savings, protections, travel benefits, and more.

Minimum Requirements for an American Express Card

Experian Credit Score

Minimum Requirements for an Amex Card Approval

While there is no set score that will guarantee that you will be approved for an Amex card, you generally need good to excellent credit to qualify for the best (premium) American Express cards. Leading credit bureau Experian defines a good credit score as 670 or better and a very good credit score as 740 or better. American Express has been known to pull credit primarily from Experian. Given that, if your score is 670 or higher, you should have reasonably good approval odds.

There is also a limit to how many Amex cards you can have. Amex has confirmed verbally that there is a limit of 4 consumer or business credit cards and, additionally, a limit of 10 charge cards.

Welcome bonus offers may be limited to once in a lifetime and not be available if you have previously had the card for which you are applying.

How To Get Preapproved for an American Express Credit Card

Despite the name, getting preapproved for an American Express card does not automatically guarantee that you will be approved.

That said, American Express offers an Apply With Confidence feature that makes the process much easier for those who are interested in their credit cards.

Essentially, Apply With Confidence allows you to see if you’ll be approved for a card before you actually submit your application. All you need to do is fill out the application details as you normally would, and then American Express performs a soft pull on your credit to determine if you will be approved for the card.

If so, then you can proceed to submit your application with the full confidence that you will be approved. If not, you can decline to submit your application, without making any impact on your credit score.

Additional Requirements Based on Data Points

You cannot be approved for more than 2 consumer cards within a 90-day period. Plus, you cannot be approved for more than 1 consumer card every 5 days.

You can apply for a business card and a consumer card on the same day and Amex could combine the credit inquiries.

Some consumers may currently hold 5 or 6 Amex credit cards but then would be declined for any further additional cards.

In addition to having good to excellent credit and the rules on how many cards you can have or apply for, American Express will also review credit report information including your payment history and credit utilization.

Bottom Line: You will need good to excellent credit to be approved for an Amex card. You can generally not receive a welcome bonus offer if you have had the same card in the past, and there is a limit to how many Amex cards you can have.

Getting Started

Prior to applying for any card, there are risk-free steps you can take to improve your chances of approval.

Check To See if You Have Offers

One way to find out if you have American Express card offers available to you is to utilize the CardMatch tool. You’ll find the risk-free CardMatch tool simple to use, the results appear instantly, and there is no effect on your credit score.

Having offers available does not guarantee you will be approved for those specific cards, just that you may be more likely to be approved for these cards.

American Express has its own tool for finding out if you have existing card offers.

What Credit Score Do You Need for an American Express Card?

There is no set credit score that will guarantee that you will be approved for any American Express credit card, even if you have a perfect 850 credit score.

In fact, your credit score is just 1 factor that American Express takes into account when determining whether you will be approved for a new card. The credit issuer also takes things into account like your income, employment status, your history with American Express, the amount of credit American Express has extended to you already, and more.

All that said, most applicants who have a credit score of 670 or higher generally have reasonably good approval odds for the full suite of American Express cards.

Know Your Credit History

Knowing where you stand when it comes to credit history is critical to qualifying for a new credit card. You’ll want to obtain a copy of your credit report, mostly to check it for any errors. You can get a free copy of your credit report via annualcreditreport.com.

Additionally, you’ll want to determine your credit score. You can do this for free via tools provided by existing credit card issuers or through Credit Karma, which is also at no cost to you.

Bottom Line: Prior to applying for any credit card, you should do a risk-free search for any existing offers you may have available to you, and also obtain your current credit report and credit score.

How To Improve Your Credit Score Before Applying

If you are looking to improve your credit score before you apply for an American Express card there are a few things you can do.

The first is to pay down any balances you currently have on your credit cards. This will lower your overall credit utilization, which is a big factor in how your credit score is determined.

Another option is to get added as an authorized user to a trusted family member or friend’s credit card who has a strong credit score and manages their credit responsibly. This signals to credit card issuers that someone else trusts you with their credit, and can help improve your score in the meantime.

Lastly, if your credit score isn’t where you’d like it to be at the moment, you could also simply let additional time pass. This is because the longer your credit cards remain open, in good standing, with low balances, and without any missed payments, the higher your credit score will increase month after month.

Best Personal Cards for Good to Excellent Credit

Amex Centurion Lounge PHX Green Wall

The Platinum Card ® from American Express

BEST LOUNGE ACCESS

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More (at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards ® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points UP's Bonus Valuation*: Annual Fee See Pay Over Time APR Credit Recommended

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850) Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card ® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons Card Highlights Financial Snapshot Rewards Center

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Hailed as the best of the best in the premium travel rewards card circle, the Amex Platinum card comes with worldwide lounge access to over 1,300 locations, travel and shopping benefits and protections, and hundreds of dollars in statement credits.

Plus, the card recently added cell phone protection with up to $800 in coverage for stolen or damaged cell phones. There is a limit of 2 claims per 12-month period, and a $50 deductible applies to each claim. Additional terms and conditions apply.

American Express ® Gold Card

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More (at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

Earn 60,000 Membership Rewards ® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.

60,000 points + up to $100 back UP's Bonus Valuation*: Annual Fee See Pay Over Time APR Credit Recommended

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850) Why We Like This Card

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons Card Highlights Financial Snapshot Rewards Center

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points + up to $100 back. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card is a travel rewards card that functions well as an everyday spending card.

You’ll get the best of both worlds with elevated earnings at supermarkets, on dining, and on travel. Plus, at redemption time, you can use your points for flights via AmexTravel.com or the Amex transfer partners.

Blue Cash Everyday ® Card from American Express

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More (at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome Offer

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Annual Fee 19.24%-29.99% Variable,0% on purchases for 15 months Credit Recommended

Upgraded Points credit ranges are a variation of FICO ® Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850) Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday ® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons