Is it Hard to Get an American Express Card?

If you’re considering applying for an American Express card, you’ll be happy to know that there’s no requirement for perfect credit. However, you’ll need to meet some basic requirements in order to be approved for an Amex credit card. It’s also a good idea to keep an eye out for any special offers that may come along.

You’ll be pleasantly surprised to learn that the company has a few different levels of pre-screening. The first is a simple, no-fuss process that enables you to get a better sense of whether you’re likely to be accepted for one of their cards. Applicants will need to fill out an application and provide a few pieces of information about themselves. This will then allow the company to assess your financial situation. In addition to looking at your income and debt obligations, the company will also consider your spending habits and spending history.

One of the most useful aspects of the pre-screening process is the ability to receive an invitation to apply for a card. While you don’t have to be a member to be eligible for an invitation to apply, it’s always a good idea to take advantage of the opportunity.

As part of the pre-screening process, American Express will evaluate your current financial situation. It may even match you up with a card that’s best suited for your needs. For example, you might qualify for a premium card that comes with perks based on your age, location and other demographic factors. Of course, this isn’t a guarantee that you’ll be approved.

Although you might not be eligible for a premium card, you can still find an Amex credit card with plenty of features. Several of the company’s top-tier options include the Platinum Card, which comes with a $200 airline fee credit and other perks. Additionally, you can get a 60,000 point welcome offer on the Delta SkyMiles Gold American Express Card, which is a good start.

Another option for ensuring your chances of being accepted for an American Express card is to make use of their Apply with Confidence feature. This feature makes applying for an American Express card a whole lot easier. Not only does it take out all the guesswork, it also gives you more information than you might otherwise have about your chances of being approved.

American Express’s pre-screening process doesn’t hurt your credit score in the least. It simply helps you to avoid the need to conduct a hard pull, which puts your credit at risk. Also, American Express can’t void your application if you don’t follow through on your promises. To put it into perspective, a good rule of thumb is to only apply for two credit cards every 90 days.

Finally, it’s important to keep in mind that while the American Express site does offer a free credit score check, the results won’t always tell you exactly which cards are available to you. Depending on the type of card you’re applying for, you may have to pay a higher annual fee or have a minimum spending requirement.