Minimum Credit Score Needed For American Express?

Posted by CreditCardGuru

Q: What is the credit score required to be approved for an American Express card?

A: We all know American Express is famous for catering to the well-to-do, but those aren’t the only people who can score an AmEx. The minimum credit score needed for an American Express largely depends on which card you are applying for.

Below I will talk about my estimates for the credit score requirements on some of their most popular cards. But before I proceed, please understand the following…

  • These are my personal estimates only, based on various customer credit card reviews and feedback I have gathered on this site and elsewhere.
  • Even though Credit Card Forum advertises some American Express cards, they do NOT disclose information like credit score requirements to their advertisers or anyone else for that matter.
  • The credit score needed for not just an AmEx, but any credit card, constantly changes depending on economic conditions. My estimates below are for the current economic environment we’re in (updated for the 4th quarter of 2013).

Easiest To Get In 2013 = Gold Delta SkyMiles Credit Card

Delta GoldI regularly hear from people with FICO’s in the 600′s (sometimes as low as the mid 600′s) getting approved for this card. From my experience of running this blog for 5+ years, it appears to be the easiest one to get approved for.

Why is the bar set lower for this one? My guess is it has to do with how insanely lucrative the Delta/AmEx partnership is for both companies. In fact the last time they renewed their partnership (several years ago in 2008, at the depth of the recession), American Express forked up a $1 billion upfront sweetener and that’s not even counting the on-going revenue sharing (the amount of which is confidential, but my guess would be it’s billions).

In other words, both companies have a lot riding on this credit card and in turn, they seem to be aggressive with marketing it and approving applicants. I highly recommend the Delta Gold for the following reasons:

  • No annual fee for your first year. After that it’s $95. That’s the same fee as the Green Card, but that one seems to usually charge the fee for the first year.
  • Your first checked bag is free on Delta flights. Since that’s normally $25 one way, it saves you $50 round trip. Plus up to 8 additional passengers who are booked under your same reservation get this benefit, too!
  • You get priority boarding. Zone 1 priority boarding on Delta flights.
  • Good rewards. Earn 2 miles per dollar on Delta purchases and 1 mile per dollar on all other purchases. There’s no limit to how many miles you can earn.

And on Sept 17th 2013, they launched an offer that’s the best I’ve seen in YEARS for this card (no joke, I’ve been running this site for 5 years so trust me, I’ve been following it a long time).

  • 30,000 bonus miles after you make $1K in purchases on your new Card in first 3 months.
  • $50 statement credit after you make a Delta purchase with your new Card in first 3 months.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.
  • Here is the link to get this offer while its available

Green Card

I do not recommend the Green because its rewards are disappointing and the annual fee isn’t much less than the Gold Card. Also, based on customer feedback, it sounds like it’s not necessarily easier to get approved for Green versus Gold.

This card has been out for over 50 years (since 1958!) and of course there are now several charge cards above the AmEx Green card. My guess would be that the only reason they keep this one alive is for legacy purposes (it boosts the prestige of the Gold and Platinum, since they’re higher levels). Given that this one costs $95 per year and only gives 1 point per dollar on eligible purchases with no bonus categories, I see little reason to apply.

It’s a charge card, which means your balance must be paid in full each month. For this reason, it’s a lower lending risk than a regular credit card since the customer can’t use it to carry long-term debt. Because of this charge cards seem to have loose credit score requirements. Not to mention, you’re paying an annual fee for them which probably helps, too.

If you have a low score simply due to a limited credit history (and not credit mistakes) you probably have a good chance at getting approved. I have heard credit scores in the mid to high 600’s getting approved for the Green Card.

Gold Card & Premier Rewards Gold Card

Of course, these are a step up from Green, but surprisingly, the requirements for approval seem to be comparable… so if you’re debating between Green vs Gold, go for the Gold. It is also a charge card and therefore the same things mentioned above also apply to it.

The minimum credit score needed for the basic AmEx Gold I would estimate to be in the high 600′s (comparable to Green). Meanwhile for the premium version with bonus reward categories, the Premier Rewards Gold Card, you will likely need a FICO a bit higher, probably at least in the 720 to 730 range.

Platinum Card

Ah… the elusive Platinum card. Something everyone wants but no one can afford! Its $450 fee is steep, but is actually worth it if you travel frequently and go first-class all the way. It’s also a charge card.

There are two sides to consider. Yes, it is their most premium card (not counting the Centurion) and for that reason alone, a high credit score is to be expected. However on the flip side, you are agreeing to pay a $450 annual fee (which is NOT waived the first year) and that probably helps your case!

For these reasons I do not believe the credit score needed for the AmEx Platinum card is outrageously high. My estimate would be you need a credit score range similar to the Premier Rewards Gold Card. Several years ago I actually knew a 19 year old that had obtained a Platinum under his own credit, but I don’t think that would be likely to happen these days. Check out this review of the Platinum American Express to learn more about it.

Blue Cash (2 versions avail)

Unlike Green/Gold/Platinum listed above, this one is a credit card and for that reason it does have tougher approval requirements.

I remember during the peak of the credit crunch in early 2009, I called up customer service on my Blue account to ask for a credit limit increase and was denied. The rep told me “I am seeing people with 830’s that are only getting a $2,000 limit right now on this card.”

Obviously, the economy has substantially recovered since then and I’m sure that’s not the case today. Based on what I have read, I would estimate the AmEx Blue card’s minimum credit score requirement to be around 720, give or take a few points. Check out this American Express Blue Cash review to find out more about the two versions: the Everyday and Preferred.


What credit score does American Express require? It all depends on the type of card you are applying for. As a rule of thumb, I would guess you would have the best luck at getting approved for the Gold Delta SkyMiles credit card. Even if you don’t travel much, it’s a good choice to get your foot in the door since it comes with a generous bonus offer and the annual fee is waived for the first year.

112 comments... read them below or add your own

  1. Brad April 23, 2014 at 1:30PM

    I just got a new job and have to apply for an American Express Corporate Card. I’m concerned because my credit has been damaged due to unemployment and an inability to make some payments. Since getting my current job I’ve been making payments for about 6 months now. My scores are Exp: 525, Equ: 561; Trans: 582 and I have an income at my new job of $57k. Am I at risk of being declined?

  2. ldybss April 22, 2014 at 2:26PM

    I have decided credit cards are a crap shoot..I once applied for a JC Penneys card through the store and was declined and then 2 days later they sent me a card from the mail in application!! If you’re looking for a card just starting out, I would recommend the Credit One. The interest isn’t low, but it isn’t irrational either.

  3. dkoopm April 15, 2014 at 3:15PM

    Just was approved for Delta Gold
    Ex 762
    EQ 737
    TU 706

    no hard inquiries only one derogatory (30 day late pays) about 3 years ago

  4. Pedro Brandao April 12, 2014 at 6:10PM

    I got approved for the Green with 643 credit score, how crazy is that?? Beyond Happy, any suggestions of a similar credit card? I’m rebuilding my credit, thanks.

  5. James April 6, 2014 at 7:41AM

    I was approved for the Delta Gold AMEX Card in March 2014. AMEX only uses Experian when pulling your credit report for this card. After being approved for the card, AMEX sent me disclosure information which included my Experian credit score of 670. My credit limit is $3,200. I have already purchased Delta airlines tickets, and AMEX has given me a $50 credit as promised by the promotion.

  6. Drummer john April 4, 2014 at 3:00PM

    If you have a bankruptcy on your credit report in your score is about 587-600 would you still get approve for the American delta skylemiles credit card

    • Pedro Brandao April 13, 2014 at 12:20AM

      I’ll suggest you to wait a little do you have any debts as today?

  7. David April 2, 2014 at 6:50PM

    how long does it take for hard credit inquiries to drop off your file?

    • gNat April 11, 2014 at 12:32PM

      Two years from its date.

  8. Goodstash March 28, 2014 at 8:59PM

    As my name provides. I deal mostly with Cash businesses. Bought two atv bikes cash in 2006 and 7 months later someone used my info I gave that dealer to finance two bikes a year younger. I got things in the mail but since I have pinks in safe..ignored. Repo man came, I figured out what was happening and told him if he touched my bikes it was his life. He saw vin # were different year and a $4000 odyssey to get a court order so two idiot finance companies could not touch my bank accounts. The judge gave me the order and ended by saying that this court order protects your banks but not your credit score. (first credit cards ever in my personal name 41yo) Last December 2013 had a 546 got 4 credit cards now fico621 March 2014 Merrick/creditone/capitolone/bankof America use them all and pay them off twice a month lowest limit is $500 and highest is $1000 Total interest paid to date is zero because of rewards (first premium bank card…was scary stupid) Who would pay 36% from time of purchase, 124 a year fee and 79 a year membership. I want an amex for Costco..but think I will wait til I get to 650. Oh, and had a company I told to F off, and they lied and put a false credit report and two hard inquiries that have been removed since I saw my credit score or lack there of in dec 2013…definitely suggest people get their free credit reports annually now.

  9. Wordsworth March 18, 2014 at 6:59PM

    Hi Guys and Gals! New here. While adding a new savings account at the bank, the banker told me I qualified for either the Slate or the Freedom. Went with the Freedom. Got it. Now having checked my score 669 Equifax, 624 TU and 629 EX., I am a little happy. (I was 530 two years ago.) I have a Freedom 20% utilization, Capital One 20 % utilization and an Emblem with zero % utilization. I have always wanted an Amex Green Card. Should I go for it now, or wait and build more (Johnny come lately) history and apply for the , for example Quicksilver card. Capital One has been hounding me for my app. for this card. My banker says it is not worth it. Any thoughts? Thanks.

  10. Alp February 9, 2014 at 6:52PM

    My 3 average credit score is 686 and just got approved for amex gold delta skymiles. Credit limit $3000

    I was afraid to apply to amex platinum because I didn’t think I would be approved for that yet.


  11. Shazam January 7, 2014 at 12:17PM

    I have had all kinds of debt but my largest was for a 45,000 home equity line that I defaulted on when my house went into foreclosure back in 2006. I also owed 9,000 on my Bank of America card which had an 8,000 limit. That account was closed back in 2008. The 45,000 is still on my credit but I paid off my bank of America card regardless about 4 months ago. So I was surprised when I started getting credit card offers shortly after that. My scores were in the mid 600′s. I was first offered a Credit One card but the limit was $500 with an annual fee of 75. So I cancelled that one and accepted Capital one which gave me a $3000 limit with an annual fee of $19. Then I accepted Citi card which gave me 3,500 no annual fee,then I also accepted the AMEX green card. Haven’t used my AMEX yet. I was surprised by all of this. I was turned down by Barclays because they said I didn’t have enough cards, when I had just one and I was turned down by discover. My scores are in the high 500′s now because of the 8 hard inquiries but they will go back up. I pay everything in full each month. My Experian just went up 11 points. But I really only use my Citibank card because of the rewards. I haven’t tried AMEX yet but will start next month. So I say apply for the green AMEX. You never know.

    • Shazam January 7, 2014 at 12:21PM

      I also have 10 years of credit history and make 42,000 year so Im sure they factored that in as well.

  12. KWEV December 30, 2013 at 6:43PM

    As a sole proprietorship, I have had an AmEx gold business card since 2004. However, this card has never shown up on any credit rating report, business or personal. Isn’t AmEx required to report my credit rating somewhere?

  13. M December 23, 2013 at 6:56PM

    Thank you for posting this blog post.
    I didn’t think I was ready for an AMEX card yet.

    I applied and was approved. I am beyond thrilled.

    Current scores 714 715 719 (I started with a 620 and made life changes)
    Salary $40,000 (working on this next)

  14. brian December 13, 2013 at 9:38PM

    I just got approved for a green card in 10 seconds, with my highest score of the 3 being 635! I have had decent payment history, just not a long payment history.

  15. Saul December 12, 2013 at 1:18AM

    I am 20 years old and was just approved for the blue cash. Kind of dumbfounded seeing as how discover denied me just about 3 weeks ago. Always thought AMEX would be tougher on applicants. Also I just got an in store card about a month and a half ago, according to credit karma my trans union score is 722. I got my first credit card about a year ago! I’m pleasantly surprised I was approved.

  16. Trjack9 December 8, 2013 at 5:46PM

    EX 741
    EQ 714
    TU 718

    should I have a problem with Amex

    FICO 679

    • B-Lo December 10, 2013 at 7:58PM

      I had been hesitant on applying for a Amex as I had been denied a few times over the years. After reading this I just applied for the Delta Gold Amex and was approved. I was very surprise and am very thrilled and excited. It took several years of working and being discipline after being young and dum with credit in the earlier yrs. My scores are in the mid 600′s I know experian is 675 but not sure about the others. Only have one other charge card capital one with limit 2K. This was really helpful for me and was the final push to go for it.

  17. JohhnyLogic December 5, 2013 at 9:09AM

    This article was very helpful
    I was very concerned about getting approved for my company’s corporate AMEX. I had a BK in 2005 some lates 2+ years ago. I recently paid down all of my current credit cards due to going through the process to get a mortgage. I wanted to keep myself from the embarrassment in the event I was declined for the corporate card, so i tried the Delta Rewards Gold card and I was just approved. Here are my current scores: TU-651 Exp-663 Eq-603. Hope this helps someone.

  18. ShaunFromNY November 22, 2013 at 1:53AM

    I just applied for the Delta Gold Amex card. It said that my application is being reviewed. Does this mean I am denied?

    • ShawnFromPDX November 24, 2013 at 8:07AM

      It sounds like if they have to “review” anything that it doesn’t seem promising. I am amazed at some of these peoples credit limits.

  19. Taylor November 20, 2013 at 11:19PM

    Hello, I’ve been building credit since I was 19 years old and I’m 26 now. Over the last 7 years I have had ZERO missed or late payments — I pay the account balance in full every month across every credit card/auto loan.

    As of right now, my credit score is around 780 and my credit limits are as follows

    AMEX Blue – $20,000
    Bank of America Platinum Plus – $15,000
    Chase Platinum which turned into Chase Slate – $3,600 (Haven’t been able to increase limit since opening)
    Capital One Plaitnum – $3,200 (Also haven’t been able to increase credit limit since opening)
    Discover – $12,000

    In conclusion, American Express has treated me the best always allowing me credit limits throughout the years whereas on Bank of America I was capped at $15k, and Chase and Capital One not allowing any increase.

    • Britnee December 6, 2013 at 9:13PM

      Why in the world would you want any higher limits with the ones you have?? If you make so much money, then why have so many cards with such high limits? Just my thoughts of course.

      • Charlie March 4, 2014 at 5:08PM

        Britnee, having a higher credit limit actually increases your credit score. One of the factors credit unions use to calculate your credit is your debt-to-credit ratio. In other words, if you’re using $2,800 or your available $3,000 credit limit, it doesn’t look so hot. If you’re using $2,800 of your available $20,000, it looks great. I’m applying for a home loan soon, so I asked all my creditors to increase my credit line, and they did. Just, you know, don’t use it all!

    • David April 11, 2014 at 3:31PM

      That’s pretty impressive to have a 780 at age 26!! I guess having very little debt helps out rather than having more on-time payments for tons of creditors.

  20. Steph November 18, 2013 at 11:07AM

    FICO of 813, 22 years old… but only have about 8 months of credit history, will that negatively impact me??

    • Manny November 26, 2013 at 8:24AM

      Start off with an easy credit card company like capitol one Apply for the capitol one platinum which is an easy card to get approved for especially if you never have had a credit card. That is the first credit card I started off with now I have 6 credit cards in 2 years which is a little to many but have zero balances on all my credit cards.

    • Ali December 4, 2013 at 5:06PM


    • Stephanie January 14, 2014 at 9:36AM

      Sorry Steph, but there is no way you have a credit score of 813 with only 8 mo. of credit history. If you got that number off of some “check your credit score for free” site, then you are mistaken. Those aren’t real credit scores. The only way to get your real score is to apply for credit and ask them what your number is, or have a discover or barclay card, where they give you your transition score every month. And that 813 is probably a Vantage score not FICO. It just isn’t possible. An 813 Fico would put you at the top 1% of consumers. It takes years of great credit history to get that. Do a bit more research, can’t happen in 8mos. Sorry

      • Emmanuel March 15, 2014 at 10:27PM

        I agree with you Stephanie, people with 813 scores have very long and stable credit history.

      • russ April 21, 2014 at 5:31PM

        i have seen scores in the 800′s when the only items showing on the report are deferred student loans. In fact the guy was 21, college student and didnt know that his deferred student loans were reporting.. he thought he was a “ghost”. Needless to say, it was a false score in my opinion but a good score

  21. Pat November 18, 2013 at 3:59AM

    Hey eveeryone, just wanted to add some new info about what cards I have and maybe might help someone decide:

    Amex Blue= 3K limit (since 2011)
    Citi MC (World) = 6K limit (Since 2010)
    Discover= 2.5K (Since 2009)
    ———Newest EDITION as of Nov 2013 ( arriving today!!!)———-
    AMEX Platinum!
    FICO score of 758 ( according to credit report)

    In the mean time from 2011 to 2013, I did not apply for any other card and paid my balance IN FULL each and every month ( no exceptions!), and i currently rent, and don’t own a home, yet! :)

    Hope that helps future AMEX(ians)!

    • Pat November 18, 2013 at 4:00AM

      Forgot to mention, I’m 25. :)

  22. Mike November 16, 2013 at 1:52PM

    Well, I am unsure of what I’ve done wrong. I have a score in the low 700′s, and I cannot seem to get approved for any AMEX card of any type. I first tired when my score was in the high 600′s, and recently tried again today with a score in low 700′s and still no approval. I think I give up on AMEX. I’ve tried the Costco card, the green card, and one other. As my score continues to rise, I think I will stop considering AMEX as a credit option. Oh well.

  23. Darren November 13, 2013 at 12:17PM

    I just got declined for the Delta sky miles card. My TU-723, EXP-702 and EQ-698. I have a BK in 2009 so am figuring that is why since my credit score is higher then many others who were approved.

  24. Jon November 7, 2013 at 2:00PM

    Been an AMEX customer for 4 years starting with the Gold. Closed then changed to Zync (now discontinued) with couple years use. Just got approved for Costco card and then one week later approved for BlueSky. My credit score is in low 600s. Apparently if you have a good record with them (proving you can make full payments with chargecards I reckon) the scores aren’t everything.

  25. Blake November 4, 2013 at 9:01PM

    Just wanted to chime in:
    22yrs old FICO 709 (according to Amex)
    Approved for Amex Blue w/ $2k limit
    Have 18000$ truck loan
    163000$ mortgage
    and around $4k credit debt

  26. Ashley September 17, 2013 at 2:46PM


    I have a EX: 723, 5 credit card open. 1 QuicksilverOne- 2500$ CL, Bank Of America Cash rewards-500$ CL, Ny and company- $300, Victoria-$750 and Express- $250. I have 3 credit checks on file and short credit history on file.

    Please, advise what credit card to go for.

    Thank you.

  27. Scott B September 11, 2013 at 1:49PM

    Six months ago I was denied for AMEX Delta card. This week I was approved for Blue Cash Preferred, Plum and AMEX Platinum. I thought my credit score was low 600s, at least it was last year. I need to check credit score and I will report back. Oh yes, I was DENIED for Chase Preferred this week.

    • GR November 12, 2013 at 4:34PM

      CHASE SUCKS! They placed a hard credit inquiry on my credit reports without permission. Chase has sent me six letters telling me that that it has requested that Equifax remove the inquiry. Equifax tells me that Chase has NEVER sent the proper electronic removal. Amazing for a bank of this size that they can’t get their crap together. I even have correspondence from the Chase executive offices. ALL LIES! DON’T EVER DO BUSINESS WITH THIS PILE OF STEAMING CRAP BANK. They deserve the billions of dollars in fines that the US government has placed on it. And if I didn’t mention it before CHASE SUCKS DONKEY PENIS.

  28. John September 7, 2013 at 12:20AM

    i started off by getting the Amex Green card back in Aug’12. over the following 13 months, i ran a bit over 24K thru the card. i have since upgraded to Platinum. (just got the Platinum a week ago) my credit scores (all 3) are basically low 700s. i also have 2 cards with small balances on them. i dont really think its too difficult to get a Platinum card these days.

  29. Brookworm September 5, 2013 at 6:40AM

    Thank you so much for this information. I took the advice you offered and applied for the Gold Delta Skymiles card and was approved with a 5k limit. The online application process was seamless and the customer service associate was beyond gracious and friendly. My credit scores are as follow:

    TU 693
    Ex 693
    EQ 691

    My income to debt ratio is at 11% and my income $67,000.00
    The CS Associate did mention to me that Amex does look at all factors when determining credit worthiness and that your FICO score alone were not the only determinate. Hope this helps!

  30. Nicholas August 16, 2013 at 10:06PM

    Hi i need some advice i am thinking of applying for the American Express green card. my credit score is 691 prob over hasn’t updated for a while, 11 inquires, 0 missed payments, 15% credit utility, 0 collections. should i just pay off my whole balance before applying?

    • GR November 12, 2013 at 4:36PM

      You have way too many inquiries and the credit utilization should be 3% at most. You may have to wait a few months with zero balance to get everything to zero.

      • EM November 20, 2013 at 3:15PM

        I have 11 inquiries and a 40% credit utilization. 0 missed payments and my score is 654. Age 21. I was approved for Amex Blue. I was totally surprised! So go for it.

      • Saul December 12, 2013 at 1:25AM

        Ok relax, don’t exaggerate. Most experts recommend below 30% utilization, personally I’m at 4% right now. I think anything below 20% is great.

      • Stephanie January 14, 2014 at 9:45AM

        Yes, more than 2 inquiries hurts for 6 months or so, 11 is killing you. Stop applying for credit, wait a year and let those inquiries fall off and pay off your cards. 40% is hurting you. work on reducing that. Once you’re under 15-20% your fine. 3%??? come on now. I don’t think your score would be any different if your utilization was 3%-15%. But those inquiries will get you denied. No wants to lend money to someone who is trying to get credit from everyone!

  31. RGP August 12, 2013 at 3:21PM

    Approved for the Delta Skymiles card ($3,500) with a 665 Equifax as of 8/7/2013.
    I probably wouldn’t have applied for this card w/o all the helpful tips on this blog!
    I’m writing this because I feel compelled to help others w/ a recent approval!
    Good Luck!

  32. Eddie June 19, 2013 at 12:38PM

    I applied last December 2012, and got declined. I would love to get one, but I am afraid my credit will go down too much.

    • Brad July 18, 2013 at 3:43PM

      My FICO is at a 718 right now and I got approved for the Amex Blue Sky card. Thing is, I was sent an “exclusive” offer from them. In my experiences with credit card approvals, it’s best to continue to lift your credit score, and wait until you receive “pre-approved” or “pre-screened” offers. When you’re invited to apply, you’ll most certainly get approved!

      • Jake September 11, 2013 at 8:34PM

        Those “pre-approved” offers are entirely a marketing ploy. Technically, everyone is pre-approved.

      • GR November 12, 2013 at 4:38PM

        Not everyone is pre-approved. The companies run soft credit inquires so they know your score, whether you had any baddies etc. I have one collection from 2008 and will receive no pre-approved offers until it comes off. My real true FICO is 687. Can you imagine how much higher it would be without the collection?

  33. Johnny June 6, 2013 at 10:55PM

    So I was declined for a AMEX last year my score at the time was 605, since then I paid off auto and credit card debt Wells Fargo 4k, Citi 3k, Capital One 1.5k,only debt is student loans 20k with 70k salary so I decided to give it a shot again and to my surprise I was approved for a Delta Gold 1k and I was feeling lucky so I applied for a Platinum Card 3 weeks later and was APPROVED! This is after filing a chapter 7 in 2005 (young and stupid) will continue to be on my file until 2015. so it is possible to work on your debt and pay on time AMEX will give you a chance.

    • Rob August 13, 2013 at 11:00AM

      Makin me feel better man! Had to file the big “B” myself in ’03. I’m right at 600 now. Scared to try though, don’t wanna go in the wrong direction!

    • cameron6866 November 3, 2013 at 6:05AM

      Recently approved for the Delta Gold Amex with a $1,000 credit limit. Credit scores as follows: TU-701, EQ-695, EX-680. No BK, and one late payment back in 2010—which as time pass—weighs less heavily on your credit score. My opinion, is that the Delta serves as an entry level card, because of the contract between Delta and Amex. If so, I suggest using this card and keeping in good standing with it, so that when Amex sends out offers for the Gold Amex or Platinum, your chances of approval for those cards will be better.

  34. SARGuy June 3, 2013 at 4:05PM

    Just got approved for the Delta Skymiles mentioned above.

    Experian – 662
    Equifax- 718
    TransUnion – 718

  35. Skater May 27, 2013 at 6:06PM

    I haven’t had a real job for years. I got hurt snowboarding and worked for about a year selling audio in Boston. Since then it has been odd jobs, doing a few systems, shooting pictures with miserable pay. A few prestigious addresses in Aspen, a beachfront address in a expensive condo with movie stars (my now ex- GF paid for that) If I were to get Social security at retirement age with what I put in monthy benefit would be a paltry $320.

    I had a green card in the 1980′s and default on that. Tried applying for years with no luck. Moved toa super expensive area in Newport Beach. I found the cheapest 3 bedroom house for rent for $2200 a month, got two roomates to pay to pay $1000 each so my rent is $200 a month all utilities included. 4 blocks from the beach! I paid off a collectible Mercedes years ago and have not had a car loan for 7 years.

    My credit score is about 620. The best of the three. I only have $500 of overdraft protection credit with Bank of America. I applied for the Costco Green card and was turned down in July 2012.

    My GF needed me to hold onto $100,000 for 2 weeks, so I out that into my bank and withdrew about 9000 a day for her- and during this period I applied for a Gold and got it!!!!!

    Now the only issue is to run enough through this card to keep it.

  36. Cosmoski May 21, 2013 at 5:20PM

    I had a bk 10.2 yrs ago which is off my reports now. Am X was a creditor. life lock has my scores at 678 tu, 660 eq and 624 ex. What are my odds of success at a green card? Thanks

  37. George April 13, 2013 at 7:10PM

    Got approved for the Delta Gold card. my score was low, 654 and i was limited to $1000. However after finding out Amex is only offering 15000 miles in the first 3 months, i canceled it after a rep said the 30000 miles isn’t a promo i have on my account and cannot add it, because the 30K is expired, even though it’s still going on.

    • GR November 12, 2013 at 4:39PM

      Canceling an account is a very bad idea. You don’t hurt AMEX. It hurts YOU.

  38. sara April 9, 2013 at 9:24PM

    I just got approved for an Amex blue cash preferred with 9 months of credit history and a 717 TU/ 705 EQ at 18 and 4 recent inq. It’s apparently not that hard to get.

  39. Greg March 25, 2013 at 2:45PM

    Whatever you do, don’t BK if you intend to have an Amex. I had an amex gold for 12 years with perfect payment history. Paid the account even when I BK’d for real estate reasons. That was in ’09 and I still can’t get a green amex. I used for my multi-million dollar business, now i’m stuck driving my bookkeeper nuts with dozens of debit card transactions each month.
    Sorry Amex (You’re no longer getting your cut from my $5-$10k monthly receipts).
    Your former faithful customer.

  40. gerard February 26, 2013 at 7:23PM

    I have had amex green card and costco card since 2000. last month i fell behind two months and charged a lot and my credit became high credit. Amex closed my accounts. I moved to a different city so mail was behind but I thought everything was online. I lost track for the 2 mths so they charged one off. They are both paid in full. my credit scores are all around 700 give or take. How long should I wait to apply for another amex costco card?

  41. Andy February 19, 2013 at 6:49PM

    I got my amex platinum 3 years ago. I was 22. I received my gold card at 19.

    • Freddie April 20, 2013 at 1:21AM

      That’s it? I’m 22 & have a centurion so it’s not that impressive

      • Skeptic May 7, 2013 at 8:15AM

        Freddie, you know that’s an invitation only card for people with a net worth in the 10+ million dollar range, right? You can’t just “get one,” you have to get a gold, then platinum, and then have around 10 years of established credit history. So, unless you cleared your first 10 mil at age 12 and then spent around 2 million a year on your platinum card until you were 22, I doubt you have a centurion card.

      • Claudia May 21, 2013 at 8:23PM

        What’s a centurion card?

      • Justin K November 16, 2013 at 6:59AM

        You have to spend 250k per year and have an Amex Platinum for at least 1 year,usually more and an average net worth of 16 million with an yearly income of 1.5 million. Ohh yes, you need that nice invitation package too

        So unless you have been spending 250 k per annum in high school / college and you have yourself some nice career paying you almost 2 million a year at the young age of 21 ( as they would look at you last W2) and your trust fund is a nice 15 to 20 million, I highly doubt you have a black Centurian .

        I qualify for all the above but my average monthly spending is closer to 180k per month and I am still fighting to get an invitation

  42. JeremyM February 10, 2013 at 3:13AM


    Does anyone know of any credit card companies that will approve me for a credit card with a credit score of 547? I have had a credit report for exactly one year, with one delinquent account, but multiple inquiries. Please let me know. Thanks

    • Sarah February 25, 2013 at 8:54AM

      You should get a secured credit card

    • Rob August 13, 2013 at 11:13AM

      Credit One….Unsecured!!

    • orlando cala August 25, 2013 at 2:54PM

      pay that delinquent account you dont want to get sued…2 apply for a secured card 3. only use 30% of you credit line 4.dont apply for another credit card for 2 years 5. check your credit every year to check for inquiries deletion 6.make payments on time never never never Late..then apply for a good credit not excellent credit card….nerver get high annual fees… credit cards with high percentage are not a problem just make sure you pay their balance in full every month

  43. Jennifer February 2, 2013 at 9:20AM

    Hello, I just got approved for the AMEX Green Card with credit scores of equifax 650 experian and transunion 652. Fico score 680. I only have two other cards: Capital One $200 Secured Card and $500 Home Depot Consumer Card. I also have one closed account with Capital one Rewards card which I was an authorized user for and the limit was $500. That was my oldest account which was of approximately 6 months. I have paid on time for the length of my credit history (6 months) and have no bankrupts and no collections. Hope this helps anyone applying for one. Also it was not an instant approval. I had to call and check the status that’s when I got it approved. I did the application over the phone it seems I am more likely to get approved that way.

    • Sam David July 31, 2013 at 10:26AM

      Hello Can you please tell me how much credit limit you got on your American Express Green Card

      Cause it seems that I have almost the same of your credit score


  44. brandon January 26, 2013 at 6:10AM

    i got turned down when they offered the zync card. i will try again in the next 6-8 months

  45. Simone January 22, 2013 at 5:50PM

    I got the pre-approval letter in the mail about 1 week ago for the AMEX green charge card. I took it and threw it away, they had turned me down for a Delta Gold card about 8 months ago.

    Today I get a letter of pre-approval for the AMEX Gold charge card. So I look through it and think…what the heck. I apply and I get approved!!!!

    My Ex score as of yesterday sits at 645. I have a $3,000 charge-off from about 6 years ago. Income around $60,000. Still approved…


    • GR December 12, 2013 at 4:19PM

      Was the charge off with AMEX? Although I received a pre-approved AMEX Gold Premier Rewards, I still don’t think I will be approved because I have two charge offs with AMEX 24 years ago. And AMEX has not forgotten that either. I called one of their credit specialists who told me that I would need to pay off those two accounts and wait 30 days before applying. If you have a prior charge off with AMEX, you are most certainly blacklisted until you pay off what you owe. Of course, they can’t legally collect on an unsecured debt from 24 years ago, but they sure can deny extended you new credit.

  46. Stephen January 7, 2013 at 10:37AM

    I have a credit score of approx 600 but need to apply for a corporate card, where I have to pay the bill every month and my company reimburses me.

    What are my chances of getting approved?

    • Eugene January 18, 2013 at 11:34AM

      Hey Stephen,
      From personal experince, you should still get it. while the card is in your name, your company is the actual “customer”. Meaning if you default on the bill, you company will be held responsible as you are an agent of the company. However, I’m sure your company would not like that at all and may not like you afterwards, get the picture.

      Remeber, this is not YOUR card it is actually the companies card and any charges on it are supposed to be for company related expenses ONLY!!! If you think about making a personal charge on it, THINK EMBEZZLEMENT!!!! Most companies have strict policies regarding corporate card usage, and they can always look at your charges when they want.

      I say this from my experience alone. I had a great job years ago, made some dumb mistakes with my card, got caught, lost the card, job, and self respect. Not worth it.


  47. Lisa December 11, 2012 at 5:06PM

    I had a gold card which I paid the full balance on time every time for 28 months. I live in Nevada and finally made the painful decision to short sale my home of 13 years – American Express abruptly and swiftly cancelled my gold card (humiliating me during a transaction) without so much as a courtesy phone call or email. I appealed their decision and a received a “sorry bout your luck” response in return. I still cannot make sense of this, my ability to continue to pay the AE and my responsibility to do so had not changed, in fact the absolute relentless request to rebuild my credit score was utmost on my mind. My FICO score was a 787 prior to the shortsale and it took an approx. 100 point hit. At the very least my respect for American Express was damaged and the pride I once took in having “the” card was destroyed.

  48. Sean November 2, 2012 at 8:47PM

    I’ve had the premier rewards gold card for about a year and AMEX pre-approved me for platinum. I don’t travel frequently now, but would like to travel more. Is it worth it to upgrade? I’m half tempted to do it for the prestige factor alone lol.

  49. Phil October 29, 2012 at 4:59PM

    I got declinded for the green card a year ago. I recently tried my luck at applying for a gold premier rewards card thinking it was a long shot, the website said it was unable to give me an instant decision and I would have to wait upto 10 days. At which point I’d completely given up on the idea of being able to have one. 2 days later… I have an email “Great news, your Card application has been approved” I couldn’t believe it, I thought they’d made a mistake but actually turns out my credit rating wasn’t so bad afterall – 754 with experian.

    • GR December 12, 2013 at 4:21PM

      Not so bad? A real FICO Experian of 754 is a great score. If it is Experian’s Plus score, it is not as good, but it’s pretty darn good.

  50. Jonathan October 18, 2012 at 12:39PM

    Hey! Just got approved for the Amex Green Card! I was sooo suprised. Been working on my credit for about 15 months now and still getting rid of old collection accts. was very happy, my first real card!

    I did however get beside myself and apply for a Discover one week later and got turned down! I m going into the garden for the next year. I need my score to be 750 instead of 677! Discover said they pulled a score that was at 635….wtf!

    • GR November 12, 2013 at 4:41PM

      Discover is very hard to get for some reason.

      • RG November 14, 2013 at 10:40PM

        I didn’t think Discover was hard to get. I got a Discover and they already raised my limit twice in 6 months. I’ve always heard it’s hard to get an American Express card. I’ve been turned down twice by then in the past year.

    • GR December 12, 2013 at 4:25PM

      Discover does have good customer service. Their call centers are in Delaware. Your call won’t be routed to India or Central America. But if the call center is in Texas or Arkansas you are out of luck. Some of those people have been very rude to me on the phone especially with TransUnion and GE Capital. Sometimes, American call centers carry a lot of attitude.

  51. kk September 21, 2012 at 7:55AM

    Just got the green card. Credit score 651. Was afraid of getting rejected because of high debt. Only plan on using it in case of emergencies. Once I pay down a significant portion of debt I will go for the gold amex.

  52. JL September 17, 2012 at 5:14PM

    Just wanted to say thanks for posting this information. I’ve been honestly looking at it for about a year and using it as inspiration to continue to pay down my debt and raise my credit score. I had the Green Amex card in 1992 as a freshman in college (no clue why they gave it to me), but ran into money trouble after college and had to give it up. I’ve applied for the card since then and thought enough time and my score was good enough, but I was turned down. Kind of ridiculous I thought since I have other major credit cards and significant savings/investments.
    Well, I looked over your site again today and tried once again. Scored the green card! Of course now I’m feeling cocky and wished I had tried for the Gold Card, but honestly this is a milestone for me.
    Thanks again for doing what you do.

  53. jim September 12, 2012 at 4:30AM

    I will say this at the age of 53.. I realize that their are 4-5 amex cards that need to be PIF after the 30 day cycle. Any card is a credit card if they, the creditor has extended credit to you. A credit card should be Paid In Full no matter what the limit is to keep you out of financial debt. Limits on credit cards are nothing more that serious traps for the consumer. Be careful how you define these cards. The goal of americans should be to use cash as much as possible.

    • GR December 12, 2013 at 4:28PM

      I agree. Don’t use credit cards as loans or payment plans if at all possible. Of course, there could be an emergency especially if you are living pay check to pay check without an emergency fund. I would for example put $1,000 on a credit card if the alternative was having to put my dog to sleep. I guess the lesson to be learned from that is: don’t get pets.

  54. Justin August 29, 2012 at 11:50PM

    I have had the AMEX Green Card for 36 years and just recently received an invitation to the Black Card.

    • TechyGirl007 September 13, 2012 at 6:41AM

      Congrats! I thought they were no longer sending out Black cards, at least that was the rumor a few years back.

  55. Ahmed August 6, 2012 at 3:19PM

    I’m 18 and applied for a zync card instantly. I then applied for the platinum amex with no limit never thinking I could actually get it but somehow I was approved with about 6 months history. I also applied for a delta card and was approved for 2000

  56. Jimmy July 5, 2012 at 9:34PM

    I was approved for the Green Card with my highest score at 652 and lowest at 617. No delinquencies but simply not too many years on my credit history. Love the fact that I don’t pay interest, but the payments can be a bit hefty at times.

  57. Whataday June 10, 2012 at 7:11PM

    Just got approved for a green Amex, credit score 600 Eq, 640 Tr, 645 Exp, not bad, not bad at all.

  58. Fred April 17, 2012 at 7:05PM

    About three days ago I was approved for AmEx green and was told by their rep today that my card was mailed to me yesterday. Since then I applied for a Chase Sapphire and called the recon line to see if they would re-review my application. They informed me that I did not qualify and the application would be rejected. Is it possible for AmEx to turn around and cancel my card due to Chase’s rejection? I am scared I have sabotaged myself by applying for two cards, being approved for one, then rejected for the other. Any thoughts?

  59. Jad April 14, 2012 at 7:05PM

    Hi, pre-approved for Gold Amex. My score is over 700.

    Do you think am eligible for it? Please someone help me about it? Or should i apply for Gold Premium Amex?

    Thank you

    • GR November 12, 2013 at 4:42PM

      You will get it. Go for it. Get it. Never pay late. Keep it forever.

    • GR December 12, 2013 at 4:29PM

      Did you get it?

  60. AMEX1 March 10, 2012 at 12:03PM

    I’m 19 and was approved for an American Express Gold Card with no limit and only a year of good credit history.. My scores are in the mid to upper 600s last I checked (about two months ago), and as a student, I’m only making about 18K a year..Not bad

    • CreditCardGuru March 12, 2012 at 11:31AM


  61. Jake the Snake January 28, 2012 at 3:11PM

    I was approved for a Costco TrueEarnings Amex. I have 670 credit score on experian, which is what they check.

    • Syed August 10, 2012 at 10:34AM

      May I know how much credit limit they approved? Even I am planning to apply for this card and I have similar Experian score.

  62. Luis January 11, 2012 at 7:26AM

    I’m 20 and was approved for a platinum after having a gold card.

    • john April 21, 2012 at 11:04AM

      Hi Luis,

      Could you tell me how long you had a gold card? I just got my gold card last month and I am looking forward to having a platinum someday.

  63. yank January 9, 2012 at 6:12AM

    hi to all

    I have a credit score more than 735 but also credit cards loans over 20k which I’m paying every month the full statement balance. never paid any credit cards a day late. I want to apply for American express card you think I will get approved? Please advise


  64. Ken van heerden December 24, 2011 at 5:21PM

    Once you have a Amex card, for a number of years, in my case 4 years with a good history of credit and general paying back of the credit, one can then apply for other Amex cards. They are slightly better suited for the ‘stiff upper lip’ type of person. Me, I am a Cowboy! Great cards, and rewards.

  65. Iad Lowed November 10, 2011 at 10:12AM

    I got approved for an Amex Blue Cash with no credit history whatsoever (new to America). So I guess that credit scores are not the only thing they review.

  66. ykci October 18, 2011 at 12:04PM

    approved for Gold Delta Skymiles;
    credit scores: Exp-741, Trans-641, Eqfx-641.
    4700 balance on a 10k loan.
    salary 127k
    4 other credit cards
    no other loans/lines of credit.

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