AMERICAN EXPRESS CARD
đ§ 1. Check Your Eligibility
î¨0-1î¨ Credit score: Aim for 670+ (good to excellent)âŻî¨ .
î¨190-0î¨ Other factors: Theyâll also review your income, payment history, and relationship with AmexâŻî¨ .
î¨324-0î¨ Age requirement: You must be at least 18 years old (21+ in the US unless you have independent income)âŻî¨ .
2. Use PreâQualification Tools
î¨471-0î¨ Visit the Amex âApply With Confidenceâ feature or preâqualification pageâit does a soft credit pull and shows if youâre likely to get approved without affecting your credit scoreâŻî¨ .
3. Choose the Right Card
î¨762-1î¨ Frequent traveler? Try the Gold, Platinum, or co-branded cards (e.g., Delta, Hilton)âŻî¨ .
î¨1010-0î¨ Check current welcome bonusesâfor instance the Blue Cash Preferred often offers a $250 statement credit after minimum spendâŻî¨ .
4. Understand Amex Application Rules
î¨1170-0î¨ Oneâinâfive rule: Only 1 approval per 5 daysâŻî¨ .
î¨1308-0î¨ Twoâinâ90 rule: Max 2 approvals in 90 daysâŻî¨ .
î¨1398-0î¨ Fiveâcard total: You can hold up to 5 personal and business cardsâŻî¨ .
î¨1511-0î¨ Onceâperâlifetime bonus: Welcome offers typically apply only once per card lifetimeâŻî¨ .
5. Submit Your Application
î¨1625-1î¨ Youâll need: name, DOB, SSN/ITIN, address, income, and signatureâŻî¨ .
î¨1796-0î¨ Decision usually comes within minutes, and physical card arrives in 7â10 business days (you may get a digital card number sooner)âŻî¨ .
6. If You're Declined
î¨1975-1î¨ If denied, consider calling for reconsideration, or build more credit and reapply laterâŻî¨ .
î¨2240-0î¨ You can also become an authorized user on someone elseâs card to build creditâŻî¨ .
â Summary Table
StepWhat to Do1. Check credit scoreYou generally need 670+2. PreâqualifyUse Amexâs softâpull tools3. Pick a cardBased on habits, e.g. travel vs. everyday spend4. Know the rules1 per 5 days, 2 per 90 days, 5-card max5. ApplyOnline/phone, get decision fast6. Build & retryIf declined, improve profile first
