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).
Blue from American Express® is an entry-level card for borrowers new to Membership Rewards, so it's not as difficult to qualify for as other American Express cards. But this isn't a card for applicants with poor credit scores: You'll need a credit score of at least 0 to qualify.
Yes, Blue Cash Preferred is hard to get because it requires a credit score of 700+ for approval, which means you need good to excellent credit to get this card. Since the average credit score is lower than this requirement, most people will not be able to get the Blue Cash Preferred card.
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.
Best thing you can do is check your credit score and make sure you qualify for the card. American Express Blue Card generally requires excellent credit or better (a credit score of 750+) for approval.
Bankrate's Take: Is the Amex Blue Cash Everyday worth it? The Blue Cash Everyday Card from American Express is an excellent starter card if you're looking for cash back on common categories such as groceries or gas, or if you don't find the annual fee worth it for the premium Blue Cash Preferred card.
The USAA® Secured American Express® Card used to be the easiest American Express card to obtain as it was available to people with bad credit.
Which Credit Bureau Does American Express Use? 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.
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.
This will not affect your credit score. However, your request for a Card will show up on your credit bureau reports as a request for credit, also known as an "inquiry."
Your credit limit will be determined by your credit score, stated income, and the amount of credit that American Express has already extended to you. But if you're approved for the card, your credit limit should be $1,000 at the very least.
The Centurion® Card from American Express, sometimes referred to as the Black Card, may be the hardest credit card to get because you need a special invitation from Amex to apply and there's a high financial bar to getting the card. It's been reported the card requires a $7,500 "initiation fee" and a $2,500 annual fee.
To apply for Amex EveryDay® Credit Card from American Express, you should have good credit, meaning a FICO® Score of 670 or higher. American Express will look at several factors in addition to your credit score, but your credit is a key part of whether your application is approved or denied.
Both the Blue Cash Everyday® Card from American Express and the Blue Cash Preferred® Card from American Express are regular credit cards that don't need to be paid in full each month. Paying in full will help you maximize your savings from rewards, however.
No, the Blue Cash Preferred is not a metal card. Instead, it's a sleek, plastic design.
For an Amex card to be good for your credit score, the account must be kept in good standing with on-time monthly bill payments. Every month an open Amex account is used responsibly, positive information will be reported to the credit bureaus.
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.
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.
Amex primarily pulls Experian, though sometimes Equifax or TransUnion reports. Chase favors Experian, but may also buy Equifax or TransUnion reports.
You can get a Discover credit card with any credit score or even no credit history at all. Discover has credit card options to fit every consumer. If you have bad credit or no credit history, you could get a secured card with Discover.
Yes, American Express reports authorized users to all three of the major credit bureaus (Experian, Equifax and TransUnion).
FICO credit scores, the industry standard for sizing up credit risk, range from 300 to a perfect 850—with 670 to 739 labeled “good,” 740-799 “very good” and 800 to 850 “exceptional.” A 700 score places you right in the middle of the good range, but still slightly below the average credit score of 711.
The Blue from American Express Card is a rewards credit card. It earns two points per dollar on eligible travel purchases made on AmexTravel.com and one point per dollar on all other purchases.
The Blue Cash Everyday offers a 0 percent intro APR on both purchases and balance transfers for 15 months, followed by a variable APR of 15.49 percent to 26.49. This makes it a solid balance transfer credit card option, while also offering the ability to pay off a large purchase over time sans interest.