Credit Secure American Express Login (2024)

FAQs

Can I apply for American Express with bad credit? ›

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.

Cards such as the Amex EveryDay® Preferred Credit Card from American Express and Blue Cash Preferred® Card from American Express (see rates and fees) usually recommend a 670+ score. However, there is anecdotal evidence of scores in the lower 600s being approved.

Where does the data on American Express^® MyCredit Guide come from? The data on your MyCredit Guide is based on your Experian^® credit report. Your FICO^® Score is calculated based on information in that credit report.

American Express^® MyCredit Guide is a free service that lets you check your FICO^® Score and Experian^® credit report. (FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.)

The easiest American Express cards to get are those that require a minimum of good credit for approval as opposed to excellent credit only. The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get because they only require good credit.

Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion. And only the super rich and famous can expect to get the call, as...

Secured credit cards and those designed for individuals with poor or limited credit are typically the easiest to get approved for. Cards such as the OpenSky® Secured Visa® and the Capital One Platinum Secured Credit Card are good examples.

With no pre-set spending limit, your transactions are approved based on your spending patterns and payment history.

It is hard to get an American Express credit card because all cards offered by American Express require good credit or better for approval, which may be out of reach for the average consumer. Applicants need a 700 credit score and a steady income to have good approval odds for an American Express credit card.

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Does Amex actually verify income? ›

They will request tax returns and bank statements. What they're looking for is to make sure the income you reported on the application is true. The process typically takes 2-3 weeks, and you're assigned a specialist to talk to.

No matter what state you live in, American Express appears to be most likely to pull your report from Experian. It may, for some products or as an additional check in some cases, pull from Equifax or TransUnion.

Most American Express credit cards require at least a good credit score for approval. Although Amex doesn't offer secured cards, it does issue prepaid debit cards and gift cards. These cards are available to almost every type of consumer, no matter what your credit is.

Does checking MyCredit Guide impact or lower my credit score? No, checking your FICO^® Score or Experian^® credit report through American Express^® MyCredit Guide will not impact or lower your credit score. Only "hard inquiries" of your credit report will have any potential impact against your credit score.

What credit score do I need to be approved for the Credit One Amex card? The recommended credit score for approval is fair to good, which falls between 580 and 740 on the FICO scale. The recommended credit score for approval is fair to good, which falls between 580 and 740 on the FICO scale.

The minimum credit limit is different for every American Express card and usually falls between $1000 and $3000. American Express explains that every credit card comes with a minimum credit limit and a maximum credit limit.

The credit score you need for the Express Credit Card is 640 or better. That means people with at least fair credit have a shot at getting approved for this card.