What credit score does Amex check?

Asked by: Dr. Bulah Mueller II  |  Last update: August 14, 2022
Score: 5/5 (6 votes)

When you apply for an American Express credit card, the company will almost always check your credit report with Experian. In some very rare cases, American Express will check with a different credit bureau. Remember that all three credit bureaus get their information from the same place: your financial life.

What credit score does American Express check?

American Express doesn't state which of the three major credit bureaus it primarily uses to check an applicant's credit score. Regardless, it shouldn't make much of a difference to you as an applicant since your credit score should be similar among all three reporting agencies.

What is the minimum credit score that AMEX will approve?

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.

Does Amex check 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.

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.

Minimum Credit Score To Be Approved For Each Amex Card

29 related questions found

Does Amex 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.

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.

What is the easiest Amex card to get approved for?

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.

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.

What credit score do you need for Amex Blue Cash?

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).

Does applying for American Express hurt your credit score?

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."

What credit score do you need for an Amex Platinum?

The Platinum Card® from American Express requires good to excellent credit to qualify. This is typically defined as a credit score of 690 or better. Issuers will usually also consider your current debts, income, and other pertinent information.

Who does American Express pull credit from?

Minimum Requirements for an Amex Card Approval

American Express has been known to pull credit primarily from Experian. There is also a limit to how many Amex cards you can have. Amex confirms verbally that there is a limit of 4 consumer or business credit cards, and additionally, a limit of 10 charge cards.

What credit card do billionaires use?

According to Weiss, one of the most recommended cards for high-net-worth individuals is The Platinum Card® from American Express . While this card comes with a wide range of perks that make it seem too good to be true, it also comes with an annual fee of $695 (See Rates), which is higher than most other credit cards.

Why is Amex so popular?

Amex is so popular because it offers high-end credit cards with great rewards and luxury perks, which have become status symbols in popular culture over time.

Does Amex build credit?

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.

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.

Can you get an Amex with fair credit?

If you're getting a credit card directly from American Express, you'll generally need good credit to qualify. If you have fair credit, though, you may be able to get an Amex card from a different credit card issuer, such as the Credit One Bank American Express® Credit Card.

What is the minimum credit score for Amex Gold?

The American Express® Gold Card credit score requirement is 700 or higher. That means people with good credit or better have a shot at getting approved for the Amex Gold card.

How do you get an 800 credit score?

How to Get an 800 Credit Score
  1. Pay Your Bills on Time, Every Time. Perhaps the best way to show lenders you're a responsible borrower is to pay your bills on time. ...
  2. Keep Your Credit Card Balances Low. ...
  3. Be Mindful of Your Credit History. ...
  4. Improve Your Credit Mix. ...
  5. Review Your Credit Reports.

What credit score do you need for Amex green card?

The Amex Green card's credit score requirement is 700+. This means you need at least good credit to have a decent chance of approval. The Amex Green card's credit score requirement is comparable to that of several other American Express cards.

Does Amex use the 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.

Does Amex report to Experian?

Yes, American Express reports authorized users to all three of the major credit bureaus (Experian, Equifax and TransUnion).

Does Amex look at TransUnion?

Amex primarily pulls Experian, though sometimes Equifax or TransUnion reports. Chase favors Experian, but may also buy Equifax or TransUnion reports.