American Express credit score requirements

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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American Express credit score requirements

Postby loogoo » Sun Dec 05, 2010 4:11 pm

After reading all the positive credit card reviews I would like to try and apply. What are the minimum American Express credit score requirements by card?

I have spent the past 15 minutes reading posts on this message board and I keep hearing that their Zync is the easiest to get approved for. Does anyone know what the minimum credit score requirements for it are?

How about the middle level American Express cards like Blue. What would the minimum credit score be needed for approval?

In case you didn't see my other post I was denied for the Chase Freedom this week but that was the first credit card I have been denied for as an adult. I have a Bank of America platinum and a Capital One platinum with nothing terribly bad on my credit record that I can think of but I was denied anyway.

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Postby JL70 » Sun Dec 05, 2010 6:17 pm

What do you mean with "nothing terribly bad"? How your scores look like? Amex can be a little picky, but first of all you will need to know what the denial reasons for the Chase were, so you can take actin and fix whatever need to be fixed; look fo the letter in the mail and share the reasons here, more than likely some one will point you in the right direction.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon Dec 06, 2010 5:00 pm

Yes, the "nothing terribly bad" needs to be clarified because that is subjective and what one considers good may be considered bad by another person.

The Freedom is an upper mid-level card, as are most of the best cash back credit cards. If you were not approved for the Freedom than I think it would be unlikely to get approved for the comparable American Express Blue. However some of the lower level charge cards seem to be easier to get approved for according to other posters on the forum.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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