What credit limit triggers Amex Financial Review?

If you have more than $25,000 credit limit on a credit card or a combined credit limit of $35,000, it will trigger a financial review.


What is the minimum credit score that Amex will approve?

To get approved for this card you'll want a credit score of at least 670 to get approved, but some people have reported having a score as low as 630 and being able to get the card.

What is the minimum FICO score for American Express?

According to the score ranges from FICO, that means American Express applicants typically have at least a 670 score: Exceptional. 800 and above.


How does Amex determine your spending limit?

Unlike a traditional credit card, your Card has no preset spending limit, a unique feature that gives you flexible spending capacity. * This means the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

What is the Amex 2 90 rule?

The Amex "2 in 90" rule limits cardholders to two card approvals every 90 days. This rule builds on top of the one card every five days rule. The rule prevents consumers from being issued too much credit, along with limiting the number of welcome offers consumers can earn.


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Does Amex really have no limit?

If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible.

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

Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.

Can I get an Amex card with a 670 credit score?

While American Express doesn't publicize a minimum credit score for the Amex Gold Card, generally, applicants with a good credit score of 670 or above are more likely to qualify.


What income do you need for Amex Platinum?

Person Income/Business Income

We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum.

What is the highest limit Amex?

The American Express card with the highest limit is The Platinum Card® from American Express because its purchasing power depends on the cardholders' credit worthiness and ability to pay. So, cardholders with high income, low debt and good credit history could get a high spending power.

What is the minimum credit limit for Amex Blue?

Your credit limit will be determined by your credit score, stated income, and the amount of credit that American Express has already extended to you. But if you're approved for the card, your credit limit should be $1,000 at the very least.


Is 30k credit limit good?

Adam McCann, Financial Writer

A good credit limit is above $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income and little to no existing debt.

What does Amex look at for approval?

For cards such as The Platinum Card® from American Express and American Express® Gold Card, for example, you'll need to have good to excellent credit—usually a score of 680 at a minimum. There is anecdotal evidence of applicants with scores as low as the mid-600s being approved, but that's rare.

Does Amex still have a black card?

The American Express Centurion Card is the official name of the Amex Black Card. The Black Card is a high-end, exclusive charge card issued by American Express. Platinum Card holders must meet certain criteria to be extended an invitation. The American Express Black Card comes in personal and business variants.


What does Amex prequalified mean?

With Amex, “prequalified” offers are cards that are tailored to an applicant's credit profile based on a soft pull to their credit. You can see these offers on tools like CardMatch or on the American Express website.

Which Amex card is hardest to get?

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.

Which Amex card is easiest?

When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.


Does Amex look at FICO or Vantage?

These are provided as guidelines only and approval is not guaranteed. Earn 80,000 Membership Rewards® points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Credit Score ranges are based on FICO® credit scoring.

Is Amex platinum hard to get?

Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have good or excellent credit and make a lot of money, you have a good shot.

Why was i denied an American Express card?

American Express sends a letter to affected applicants citing why the application was denied. Common reasons an application could be denied include a low credit score, an insufficient annual income, number of open credit accounts, and more.


What credit score is needed for Amex EveryDay?

To apply for Amex EveryDay® Credit Card from American Express, you should have good credit, meaning a FICO® Score of 670 or higher. American Express will look at several factors in addition to your credit score, but your credit is a key part of whether your application is approved or denied.

Will Amex increase my limit automatically?

Does American Express automatically increase credit limits? American Express may automatically increase your credit limit as often as every six to 12 months. However, just because you haven't received an automatic increase doesn't mean you're not eligible. You should reach out to American Express to see if you qualify.

Why isn't Amex increasing my credit limit?

If you haven't received an automatic increase, it doesn't mean you're not eligible. You might just have to ask! Most card issuers will let you request a credit card limit increase online or by phone. Your card company will probably assess personal information to determine your level of financial risk.


Does Amex Platinum have no limit?

Does American Express Platinum have a credit limit? No, the American Express Platinum card doesn't have any preset spending limit. That does not give cardholders unlimited purchasing power, though. It means American Express won't give you a specific credit limit once you're approved for the card.