The Credit Score Requirements For A Variety Of American Express Credit Cards
When it comes to credit cards, American Express has a diverse range to choose from. It’s important to explore the different options available to find the one that aligns with your lifestyle and purchasing habits. American Express caters to applicants with varying credit histories, from limited to excellent scores. The better your credit score, the more favorable rates and rewards you can access. Eligibility criteria vary depending on the card type you opt for. To help you choose the right American Express credit card for your needs, here are the credit score requirements and associated benefits for each card type.
What is the minimum credit score required for an American Express card?
American Express offers credit cards for those with limited credit histories on occasion, although these offers are only available for a limited time. While most American Express cards require a credit score of at least 700, there are instances where applicants with scores as low as 670 may be approved. Credit scores are categorized as poor (300-579), fair (580-669), good (670-739), very good (740-799), and exceptional (800-850). Credit One Bank may issue an American Express Credit card for those with lower credit scores, but generally, a solid credit score of 700 or above provides the best chance of acceptance. When applying, you will be required to provide your full name, birthdate, social security number, contact information, employment information, income, housing status, and expenses. These are all factors that will be taken into consideration when making the final decision.
Which American Express Credit Card is best for me?
If you’re looking for a credit card that suits your lifestyle and spending needs, American Express has got you covered. Their credit card portfolio includes options that offer amazing travel rewards, dining perks, and access to partner resorts and hotels. To make the most of your credit card, it’s important to choose one that fits your eligibility criteria, has low fees, and offers great rewards. Fortunately, American Express has several credit cards available for new applicants, so you can find the perfect one for you.
1. Marriott Bonvoy Brilliant American Express Card
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- Credit score requirement: Good to Excellent 700 minimum credit score
According to Wallet Hub, having a Good to Excellent credit score can increase your chances of being eligible for this rewards credit card.
Benefits of the Marriott Bonvoy Brilliant American Express Card
With this rewards card, you can accumulate 75,000 Marriott Bonvoy bonus points by spending $3,000 within 90 days of opening the account. Apart from this, you can also receive a free night award every year after the renewal month at specific hotels. For eligible purchases at US restaurants and flights, you can earn 6 points for every dollar spent on the card, and for other eligible purchases, you can earn 2 points.
Associated costs of this card
If you decide to opt for this card, you will be required to pay an annual fee of $450. Your credit rating and agreed-upon terms will determine the APR on purchases, which can range between 15.74% – 24.74%. Furthermore, cash advance fees are charged at five percent with a minimum of $10. The good news is that you won’t be charged any fees for foreign transactions.
2. Delta Sky Miles Blue American Express Card
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- Credit score requirement: Excellent Credit, Good Credit 700 minimum credit score
If you’re someone who travels frequently, the Delta Sky Miles Blue American Express Card is definitely worth considering. With this card, you’ll be able to accumulate points for the miles you fly, giving you the chance to earn rewards for your travels.
Benefits of the Delta Sky Miles Blue American Express Card
When you open an account with this card, you’ll earn 10,000 bonus miles once you spend $500 with it within the first 90 days. Plus, it offers double the miles for every dollar spent on Delta purchases, as well as in restaurants, takeout, and deliveries. You’ll also earn 1 mile for every dollar spent on other eligible purchases. Additionally, you can benefit from the Pay with Miles program through Delta by saving $50 on a flight for every 5,000 miles flown, and receive a 20 percent savings as a statement credit for in-flight purchases on Delta.
Associated costs of this card
The Delta Sky Miles Blue American Express Card does not charge an annual fee. For purchases made with the card, the APR ranges from 15.74% to 24.74%, with a variable rate. However, balance transfers are not permitted using this card. For cash advances, the cash advance fee is five percent, with a minimum of $10. Additionally, the APR on cash advances is 25.24%.
3. Blue Cash Preferred Card from American Express
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- Credit score requirement: Excellent to Good 700 minimum credit score
Benefits of the Blue Cash Preferred Card from American Express
When you open this rewards card, you can earn a credit statement of $300 by spending $3,000 in the first six months. Moreover, you can get 6% cashback on all purchases made at US supermarkets, up to $6,000, and 1% thereafter annually. Additionally, select US streaming subscriptions also qualify for 6% cashback. If you use this card for expenses at US gas stations, transit, parking, tolls, buses, trains, and other transit, you can earn 3% cashback.
Associated costs of this card
If you’re considering the Blue Cash Preferred card, it’s important to note that the annual fee is waived for the first year, but after that, you’ll be charged $95 per year. The card also has an attractive introductory offer of zero percent APR for the first 12 months. However, it’s worth noting that the APR range after the introductory period ends is between 13.99% to 23.99%. If you plan on using the card for cash advances, keep in mind that the cash advance fee is 5% or a minimum of $10 per transaction, and the APR on cash advances is 25.24%. Additionally, if you plan on using the card abroad, there is a foreign transaction fee of 2.7%.
4. American Express Cash Magnet Card
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- Credit score requirement: Excellent to Good 700 minimum credit score
If you’re looking for a cashback rewards card, the American Express Cash Magnet Card may be the perfect choice for you. This card offers cashback rewards for using it to pay for dining, shipping, travel, and a variety of other expenses. So, every time you use the card for these purchases, you’ll earn cashback rewards.
Benefits of the American Express Cash Magnet Card
As a cardholder, you have the opportunity to earn a statement credit of $200 by spending $2,000 with the card within the initial six months of activating your membership. The rewards system is designed to offer unlimited cash back on purchases of 1.5%, which can be redeemed as Reward dollars for statement credits.
Associated costs of this card
The American Express Cash Magnet Card provides a fee-free annual membership. Additionally, for the first 15 months, there is a zero percent introductory APR offer. However, once this period ends, the APR may range from 13.99% to 23.99%. It is important to note that balance transfers are not permitted with this card. For cash advances, there is a 5% fee with a minimum of $10, and the APR is 25.24%. Foreign transaction fees are also applicable at 2.7%.
5. American Express Rose Gold Card
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- Credit score requirement: Excellent to good 680 minimum credit score
The Rose Gold Card is once again being offered by American Express.
Benefits of the American Express Rose Gold Card
By spending $4,000 on purchases within the first 6 months of opening the account, members can earn 60,000 rewards points through this rewards card. This card is ideal for those who frequently dine out since it allows them to earn 4 times the points per dollar spent on restaurants worldwide, including US takeout and delivery, as well as on groceries up to $25,000 per year spent at US supermarkets. Moreover, cardholders can earn 3 points for every dollar spent on eligible air travel when booked directly with airlines or amextravel.com.
Associated costs of this card
You’ll need to pay $250 as the annual membership fee, while the APR ranges between 15.99% and 22.99%. For cash advances, the APR is 25.24%, and there’s an additional 5% charge or $10, whichever is greater. The good news is, you won’t have to pay any foreign transaction fees.
6. The Platinum Card from American Express
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- Credit score requirement: Good to excellent with 670 to 850 minimum credit score
The American Express Platinum Card has recently unveiled an exclusive offer, as reported by The Points Guy.
Benefits of the Platinum Card from American Express
The rewards card offers members a unique opportunity to earn five times the membership rewards points when they book prepaid hotels through American Express Travel using the card. Additionally, booking flights directly with airlines or American Express travel also earns members five times the membership rewards points, with a limit of $500,000 on flight purchases per year. As a special introductory offer, guests can earn up to 100,000 points, while also enjoying elite status at hotels and lounges with annual statement credits. The card also comes with a range of benefits for guests staying at Hilton and Marriott accommodations, including access to premium concierge services and more.
Associated costs of this card
Members are required to pay an annual fee of $695. The APR ranges from 15.99% to 22.99% and is variable. In case of cash advance, a fee of 5% or $10, whichever is greater, is applicable, with a cash advance APR of 24.25%.
7. American Express Green Card
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- Credit score requirement: Good to excellent credit of 670 minimum credit score or higher
Benefits of the American Express Green Card
By using this card, cardholders can earn up to 40,000 membership rewards points upon spending $2,000 on eligible purchases within the first 6 months of opening their account. They can earn 3 times the membership rewards points at restaurants around the world, including takeout and delivery at US restaurants. Additionally, they can also collect 3 times the membership rewards points for transit, which includes taxicabs, rideshare, tolls, parking, buses, subways, ferries, and trains. This same 3 times rewards offer applies to campground fees, tours, car rentals, cruises, hotels, airfare, third-party travel websites, and travel purchases made on Amex Travel. For all other purchases made using the card, membership rewards will accrue at the rate of one point for every dollar spent.
Associated costs of this card
You’ll be charged a yearly fee of $150 for this card, and its APR ranges between 15.99% to 22.99% variable.
8. Centurion Card from American Express
Benefits of the Centurion Card from American Express
If you have an excellent credit score, the Centurion Card might be the perfect fit for you. With this card, you can earn one membership rewards point for every eligible dollar spent on travel, merchandise, shopping, and dining – and there’s no limit to how many points you can earn. Plus, these points never expire. Keep in mind that this is a pricey card that’s often associated with wealthy individuals and celebrities. However, the benefits are impressive. For instance, the card offers elite airline status that can be worth up to $3,000 per year. You’ll be able to enjoy unlimited upgrades and complimentary services, such as waived baggage fees and same-day change fees. Additionally, when you book paid flights, you’ll earn even more SkyMiles. The Centurion Card also provides elite hotel status at Marriott Bonvoy, Hilton Honors, and IHG Rewards. And, with the personal concierge services, you’ll receive personalized help with a variety of tasks. This service is available 24/7 and can assist with travel-related questions, securing dinner reservations at exclusive venues, finding unique shopping items, and even obtaining front-row seats to exclusive events, according to UP.
Associated costs of this card
If you’re considering the Centurion card plan, it’s important to note that the annual fee for this premium credit card is $5,000. Additionally, the APR for purchases is set at 15.99%. It’s important to keep in mind that you won’t be able to transfer balances with this card. If you need to take out a cash advance, you’ll be subject to a 5% fee or a $10 minimum. The cash advance APR is set at 25.24%. On the plus side, there are no fees for foreign transactions, making this card a great option for frequent travelers.
9. American Express EveryDay Preferred Card
According to Business Insider, if you’re a frequent shopper, this card is the one for you.
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- Credit score requirement: Excellent 800 or better
Benefits of American Express EveryDay Preferred Card
If you’re a frequent purchaser, the American Express EveryDay Preferred card may be the perfect fit for you. This card offers a fifty percent points bonus to cardholders who make a minimum of thirty purchases in a billing cycle. Additionally, the card rewards three times the points for purchases made at US supermarkets, for up to $6,000 spent within a year. After meeting this threshold, cardholders will earn one point for every dollar spent using the card.
Associated costs of this card
If you’re someone who makes frequent purchases, then the American Express EveryDay Preferred Card is the perfect credit card for you. With an annual fee of $95, it offers an APR that ranges from 12.99% to 22.99%, depending on your credit rating and the market. This card is designed specifically for individuals who make at least 30 purchases during each billing cycle, making it an ideal choice for regular shoppers.
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