What Is the Easiest AmEx Business Card to Get? - NerdWallet (2024)

FAQs

What Is the Easiest AmEx Business Card to Get? - NerdWallet? ›

American Express offers a suite of business credit cards with different features. But they all share one thing: To qualify, you typically need good personal credit (a FICO score of at least 690). That means no AmEx business card is necessarily easier to get than another.

The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get approved for because they only require good credit. While the best American Express credit cards aren't that easy to obtain, there are several credit cards from other...

If you have a good to excellent score (670-850 points) your application for a business card may be accepted even if your business credit score is low or non-existent. The credit limit and interest rate on the card will then be based on your personal credit score.

To give yourself the best chance of being approved, you'll want a credit score of at least 670.

While there is no official minimum salary requirement for a credit card, issuers are still required to ensure that applicants can afford monthly payments. As a result, your chances of approval are better with a higher income.

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.

The Amex Blue Cash Everyday credit score requirement is 700, at a minimum.

You typically need a personal FICO score of 690 or higher to qualify for an AmEx business card. Beyond that, AmEx also considers factors like your business credit score and annual business revenue.

American Express Blueprint requires a minimum FICO score of at least 660* at the time of the application but looks at more than just your personal credit to determine eligibility. Amex also requires you to have started your business at least a year ago and have an average monthly revenue of at least $3,000.

Does American Express verify business income? Yes, American Express may verify business income as part of the application process for a business credit card. They might request financial statements, tax returns, and other documentation to confirm the revenue and financial health of the business.

Can I get approved for Amex with a 600 credit score? ›

No, you cannot get an American Express credit card with a 600 credit score, which is considered bad credit. Most Amex credit cards require a credit score of 700 or better for high chances of approval. This means you need to have at least good credit to get an Amex credit card.

As a guideline, American Express' MyCredit Guide tool uses FICO's scoring model, which considers a credit score between 670 and 799 to be good or very good, anything below 670 to be fair or poor and anything above 800 to be excellent.

American Express does not offer any credit cards for bad credit (a credit score below 640). All American Express credit cards require good-to-excellent credit for approval, which means a credit score of at least 700.

How much business credit can I get? American Express® Business Line of Credit offers line sizes from $2,000 to $250,000.

Yes, it is hard to get The Business Platinum Card® from American Express because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the American Express Business Platinum card.

A credit score of 700 or higher (at least good credit) is required. Applicants must be at least 18 years old. A valid Social Security number is required. Or, if you don't have a credit history in the U.S. but you have a credit card or loan in certain countries, you might be able to get approved without a SSN.

There's no credit score that guarantees you'll be approved or denied. Some applicants have reported getting approved for The Platinum Card® from American Express with scores of 650 and 660. Others have been denied with scores above 700 and 750.

To qualify for the Amex Green card, a good to excellent credit score (a FICO score of 670 or higher) is recommended. However, a qualifying credit score alone doesn't guarantee approval. To qualify for the Amex Green card, a good to excellent credit score (a FICO score of 670 or higher) is recommended.

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.