What credit score is needed for Amex Gold?

Asked by: Prof. Cynthia Rolfson  |  Last update: October 26, 2022
Score: 5/5 (24 votes)

There is not set credit score needed in order to be approved for the Amex Business Gold card, but we recommend that you have a personal credit score of at least 700, or a business credit score of at least 75, plus 2 years of good credit history.

What credit score is needed for an Amex Gold card?

It's recommended that you only apply for the American Express® Gold Card if you have a FICO® Score of 670 or higher. Like just about all the best travel rewards cards, this card is for consumers with good or excellent credit.

Is it hard to get approved for Amex Gold?

Yes, it is hard to get the American Express® Gold Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be very hard for you to get approved for the Amex Gold card.

What income do you need for Amex Gold?

American Express does not disclose a specific income requirement, but it will need to be enough to make payments on the card and to afford the $250 annual fee.

Can I get an Amex card with a 650 credit score?

Although this card carries no annual fee, folks report needing a credit score of at least 680 to get approved. But some others were approved with scores of as low as 650, so you might have a good shot even with less of a credit history.

Minimum Credit Score To Be Approved For Each Amex Card

35 related questions found

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.

Is Amex Gold worth it?

The American Express Gold Card is one of the premier cards for dining rewards, and the best for dining in Amex's elite card portfolio. Its high rewards rate, valuable benefits and up to $340 in total annual credits toward eligible dining, Uber and hotel purchases make the annual fee well worth it.

Which credit bureau does Amex use?

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

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."

Does Amex prequalify affect credit score?

Prequalify on Amex's website

Once again, these prequalified offers from American Express only place a soft pull on your credit report, so checking your eligibility won't have any impact on your credit.

What is the 5 24 rule?

What is the 5/24 rule? Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.

What is Amex Platinum limit?

American Express Platinum has no preset credit limit. That means the amount you can spend may change from month to month based on your usage of the card, credit history, income and more.

Is the Amex Gold card metal?

The American Express® Gold Card is constructed with a mix of materials that include stainless steel, just like the Platinum Card. The difference is that the Gold Card is slightly lighter and features its signature gold color.

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.

Does American Express 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.

How does Amex determine credit limit?

All Amex says is that your credit limit depends on your credit history, debt level, income, and payment history on other American Express cards. One way to estimate what credit limit you might get on an American Express card is to read customer reviews of the card.

What is the downside of American Express?

With any good, there is always the bad. Drawbacks of American Express include the notorious annual fees. Although an annual fee is almost expected, the actual fee itself varies.

Why is my Amex declined?

The most common reason for a card to be declined is because you're over your credit limit, or the purchase in question would put you over your credit limit.

How do you get a gold American Express card?

The main Amex Gold card requirements for approval are having a credit score of at least 700, being at least 18 years old, and being a U.S. citizen or permanent resident. Amex Gold card applicants must also provide a Social Security number, Individual Taxpayer Identification Number or passport.

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.

What credit score is needed for American Express 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).

Is Amex Platinum better than gold?

Amex Platinum ultimately offers more value, though. For example, its benefits include airport lounge access, while the Amex Gold Card's perks do not. When it comes to ongoing rewards on purchases, Amex Platinum has a higher maximum earning rate and better travel rewards. But Amex Gold provides more everyday value.

How do you get American Express 75k gold?

You can qualify for a welcome bonus of up to 75,000 points on the American Express Gold Card after spending $4,000 within the first three months of card membership. That's another 15,000 points more than the standard bonus and the highest offer we've ever seen for this card.

What happened to the Amex Gold card?

The Gold Rewards Card Will Be Temporarily Discontinued

After all, the new-generation Cobalt Card as of August 16 will effectively cannibalize the Gold Rewards Card in the same $150-annual-fee segment of the market, along with a far more powerful 5x earning rate on points that can be transferred to airlines and hotels.