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  • Tue. Dec 6th, 2022

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In conclusion,thecredit score needed for the Amex Gold should be in the good to excellent credit range. It can be easier to qualify for the American Express Gold Card than other rewards cards if you have several new cards and have good or excellent credit. Keeping your credit utilization rate low and having a clean credit report can also boost your approval odds.

How hard is it to get American Express Gold?

In a nutshell,you can qualify for the American Express Gold if you meet these criteria:Have a minimum 670 FICO scoreYour existing cards are in good standingQualify for the welcome offer

What credit score do I need to get an American Express card?

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

Can I get an American Express gold charge card?

You can do so by using your Online Card Account or by using the American Express App. Just follow these steps to apply for your Amex Charge Card online: Select the right charge card for you. Currently, the Amex Charge Cards being offered are American Express Platinum Card and American Express Gold Card .

What are the benefits of an American Express Gold Card?

Other American Express Gold Card BenefitsAmex Offers. …Rental Car Insurance (secondary) The Amex Gold provides secondary rental car insurance when using it to pay for your vehicle. …The Hotel Collection Perks and Up to $100 Credit for 2-Night Stays. …Purchase and Extended Warranty Protection. …Baggage Insurance. …Trip Delay Insurance. …Personalized Travel Services Global Assist Hotline. …More items…

What does "Pre-Qualification" mean and what’s in it for me?

Pre-qualification is how you find out which offers you’re eligible for. Depending on your credit profile, you might be eligible for more personalized offers, say, a higher Welcome Bonus, or a lower APR. If you apply for a Card, your application will still be subject to our credit approval process

Does American Express check credit history?

By selecting "View My Card Offers," you authorize American Express to obtain your credit report to determine if you are pre-qualified for any offers and you acknowledge that (i) this is not an application for credit, (ii) American Express may review your recent credit history and/or other information and (iii) identification of pre-qualified offers does not guarantee account approval.

Is information submitted to our website encrypted?

For your protection, information submitted to our website during the application process is encrypted with strong encryption methods that may be updated from time to time to remain consistent with industry best practice.

How many locations does the Amex Platinum card have?

Hailed as the best-of-the-best in the premium travel rewards card circle, the Amex Platinum card comes with worldwide lounge accessto over 1,300 locations, travel and shopping benefits/protections, and hundreds of dollars in statement credits.

How many credit cards can you have with Amex?

There is also a limit to how many Amex cards you can have. Amex confirms verbally that there is a limit of 4 consumer or business credit cards, and additionally, a limit of 10 charge cards .

Does Amex review credit?

In addition to having good to excellent credit and the rules on how many cards you can have or apply for, American Express will also review credit report information including your payment history and credit utilization. Bottom Line: You will need good to excellent credit to be approved for an Amex card.

What is the minimum credit score for Amex Gold?

The biggest Amex Gold Card requirements are having a credit score of at least 700 , being at least 18 years old, and being a U.S. citizen or permanent resident. Amex Gold applicants must also provide a Social Security number, Individual Taxpayer Identification Number or passport. Another major requirement is a steady income.

How old do you have to be to get an Amex Gold card?

In order to get the Amex Gold card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN or ITIN.

What are the criteria for getting an Amex Gold card?

Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.

Does Amex require income?

American Express does not disclose a specific income requirement, but it will need to be enough to make payments on the card and to afford the $250 annual fee. Amex doesn’t openly state any other Amex Gold Card requirements, but there are plenty of other factors that Amex considers during the approval process.

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Is Amex Gold card gold?

at regardless of the name “ Amex Gold,” the Amex Gold card is not made of gold. But it is worth quite a bit in ongoing rewards. Cardholders get 4 points per $1 spent at restaurants (including takeout and delivery), plus 4 points per $1 on the first $25,000 spent annually at U.S. grocery stores. That’s in addition to 3 points per $1 spent …

Is Amex Gold a metal card?

Amex Gold is a metal card. The American Express Gold Card has been made of metal ever since Amex rebranded it from Premier Rewards Gold (PRG) in 2018. New Amex Gold applicants don’t need to specify that they want a metal card, either – it’s standard. It’s worth noting th. at regardless of the name “Amex Gold,” the Amex Gold card is not made of gold.

What are you going to do with my information?

We use your credit information to tailor Card offers to you with no impact to your credit score. Your credit score may be impacted if you submit an application.

What is pre-qualification for credit card?

Pre-qualification is how you find out which offers you’re eligible for. Depending on your credit profile, you might be eligible for more personalized offers, say, a higher Welcome Bonus, or a lower APR. If you apply for a Card, your application will still be subject to our credit approval process

Does American Express check credit history?

By selecting "View My Card Offers," you authorize American Express to obtain your credit report to determine if you are pre-qualified for any offers and you acknowledge that (i) this is not an application for credit, (ii) American Express may review your recent credit history and/or other information and (iii) identification of pre-qualified offers does not guarantee account approval.

1. Your credit score

Odds are that you’ve heard of credit scores. These numbers, derived from your financial history, indicate to creditors whether you’re a risky investment.

2. How to use American Express Membership Rewards

You don’t have to be a points expert to apply for the American Express® Gold Card. That being said, American Express Membership Rewards points are highly versatile, and knowing how to maximize them can greatly improve your travel experiences.

3. Your lifestyle

Many cards offer different spending benefits, so you’ll always want to make sure that you’re applying for one that suits your needs. The American Express® Gold Card is no different — it’s a heavy hitter when it comes to all things food, but falls behind on other purchases:

4. Your travel plans

Along with great dining benefits, the American Express® Gold Card comes with strong travel perks. Among other questions, you may be wondering, “Does the American Express® Gold Card cover rental car insurance?”

5. Your existing credit cards

Did you know that American Express will allow you to receive a welcome offer for a specific card only one time? This means that if you already hold the American Express® Gold Card or have held it in the past, you won’t be able to receive another welcome bonus.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022, including those best for:

Who shouldn’t get the Amex Gold card?

The Amex Gold has the potential to be a very lucrative card, but there are several groups of people who might struggle to get good value from it .

How much does Uber Cash cost to keep Amex Gold?

If fully using the Uber Cash benefit and the dining credit sounds like something you can do, you’ll effectively end up paying $10 a year to keep the Amex Gold, making it one of the cheapest cards relative to the benefits it offers. And it should be easy to earn back that last $10 by taking advantage of one or more Amex Offers, where you can earn discounts on purchases you likely would have made already. Enrollment required for select benefits.

How much is the dining credit for Amex Platinum?

The up to $120 per year dining credit is broken down into $10 a month, similar to the Uber credit that comes with the Amex Platinum, but it also is pretty easy to maximize. I can’t think of a single purchase at any of the partner dining merchants (Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steakhouse, Boxed and participating Shake Shack locations) that would cost less than $10 a month, so if you eat out or order in once every 30 days this should be easy to take advantage of. Enrollment required for select benefits.

How much does an Amex Gold card cost?

The Amex Gold Card has an annual fee of $250 (see rates and fees ), which effectively drops to $10 in true out-of-pocket cost when fully use the monthly statement credits at select restaurants and the new Uber Cash benefit. It has relevant bonus points categories such as dining at restaurants and U.S. supermarkets, plus it earns valuable American Express Membership Rewards points. And it’s back in the fancy Rose Gold color option, too.

What can you do with a Sapphire Reserve card?

The Sapphire Reserve also has amazing trip-delay protection: When you pay for at least part of your fare with the card you can have eligible expenses (up to $500 per ticket) reimbursed if your travel is delayed for six hours or more or requires an overnight stay. Eligible purchases that can be reimbursed with this coverage include lodging, transportation, toiletries, clothing or food expenses you incurred as a result of the delay.

What is statement credit?

Statement credits are a great way to offset a high annual fee on a credit card, but you don’t apply for a new rewards card to break even. You do it to get ahead.

What to do after maxing out Chase slots?

Not only will you immediately begin earning a valuable transferable points currency, but the 4x bonus categories will help you earn your next award flight or hotel stay that much faster.

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Summary

Many American Express cards are harder to qualify for, but you can get a better idea of which ones you’re likely to be approved for by checking prequalified offers.

Check for offers on CardMatch

One place to check for American Express prequalified and preapproved offers is on CardMatch?, a tool offered here on CreditCards.com. You just need to enter basic personal information such as your name and address, as well as the last four digits of your social security number to check your offers.

Prequalify on the Amex website

Additionally, American Express allows applicants to check for prequalified offers directly on the American Express website. Just like with CardMatch, you’ll enter personal info and the last four digits of your Social Security number.

Other ways to prequalify for Amex cards

Although the easiest way to get a prequalified offer from American Express is online, you might be able to score a targeted offer by mail. If you have any accounts with American Express, be sure to keep your contact information up to date to boost your chances of getting one of these offers.

Boost your chances

As mentioned, most American Express cards are designed for users with good to excellent credit (above 670). If you are hovering on the edge of this threshold – or hoping to qualify for one of the issuer’s more exclusive cards, like The Platinum Card® from American Express – you might want to take steps to improve your credit score before you apply.

Prequalifying does not guarantee approval

Prequalifying for a credit card offer is a great way to know whether or not you will be approved, but remember – it’s not a guarantee. You may receive a prequalified card offer only to be denied for the card. Nevertheless, your chances are significantly improved by prequalifying first.