The Credit Scores You Need For Various American Express Credit Cards

American Express

American Express offers a variety of different credit cards. It’s worth checking out the selection to find the most appropriate card to meet your purchasing needs and lifestyle. American Express provides options for applicants with a range of credit histories from limited credit history to excellent credit scores. Higher scores deliver the best options with the lowest rates and higher rewards. Requirements for eligibility depend on the type of card selected. If you’re interested in applying for an American Express credit card, here are the credit score requirements for the various card types and the associated benefits.

What is the minimum credit score required for an American Express card?

American Express cards offer cards for people with limited credit histories occasionally, but the offers come and go for limited durations. Most American Express cards require a credit score of 700 upward, but sometimes, vendors may grant an account to applicants with credit scores as low as 670. Poor credit is in the 300 to 579 range. Fair is 580 to 669. Good credit is 670 to 739, Very good is 740 to 799, and exceptional credit scores range from 800 to 850. Credit One Bank sometimes issues an American Express Credit card for lower credit scores, but in general, a solid credit score of 700 and above gives you the best odds of acceptance. When applying, you’ll need to enter your full name, birthdate, social security number, contact information, employment information, income, housing status, and costs. These are all factors considered when making the final decision.

Which American Express Credit Card is best for me?

American Express offers multiple choices to suit your lifestyle and spending needs. Some cards offer travel rewards, eating out, and staying at associated partner resorts and hotels. The best choice is one that is within the scope of eligibility (credit score), with the lowest fees and the greatest rewards for use. With this in mind, here are various American Express Credit cards currently available for new applicants.

1. Marriott Bonvoy Brilliant American Express Card

  • Credit score requirement: Good to Excellent 700 minimum credit score

The Wallet Hub reports that Good to Excellent credit scores can help qualify you for this rewards credit card.

Benefits of the Marriott Bonvoy Brilliant American Express Card

This is a rewards card that allows holders to earn 75,000 Marriott Bonvoy bonus points for making $3,000 in purchases on the card within the first 90 days of opening the account. Additional rewards include 1 free night award annually after the renewal month at specified hotels. Cardholders may also earn 6 points for each dollar spent on the card for eligible purchases at US flights and restaurants and 2 points for all other purchases that are eligible.

Associated costs of this card

The annual fee for this card is $450. The APR on purchases is between 15.74% – 24.74% depending on your credit rating and the agreed-upon terms. Cash advance fees are charged at five percent with a minimum of $10. There is no charge for foreign transactions.

2. Delta Sky Miles Blue American Express Card

  • Credit score requirement: Excellent Credit, Good Credit 700 minimum credit score

The Delta Sky Miles Blue American Express Card is a good choice for frequent flyers. You have the opportunity to earn points for the miles logged in on air travel.

Benefits of the Delta Sky Miles Blue American Express Card

This card rewards you with 10,000 bonus miles if you spend $500 with the card within the first 90 days of opening the account. It also adds two times the miles for each dollar you spend in restaurants, takeout, deliveries, and Delta purchases. You get 1 mile for every dollar spent on all other eligible purchases with the card. You can save $50 on a flight for every 5,000 miles flown with the Pay with Miles program through Delta when booking online and a 20 percent savings as a statement credit for delta in-flight purchases.

Associated costs of this card

There is no annual fee for the Delta Sky Miles Blue American Express Card. The APR on purchases ranges from 15.74% – to 24.74% with a variable rate. Balance transfers are not allowed with this card. Cash advance fees are five percent with a minimum of $10. The APR on cash advances is 25.24%

3. Blue Cash Preferred Card from American Express

  • Credit score requirement: Excellent to Good 700 minimum credit score

Benefits of the Blue Cash Preferred Card from American Express

This is a rewards card that earns a credit statement of $300 when you spend $3,000 within the first six months of opening the account. All purchases made at US supermarkets give 6 percent cashback up to $6K, then 1 % thereafter annually. Select US streaming subscriptions also qualify for 6% cashback. Expenditures with the card for US gas stations, transit, parking, tolls, buses, trains, and other transit earn 3$ cashback.

Associated costs of this card

The Blue Cash Preferred card waives the annual fee for the first year, then charges $95 per year thereafter. The introductory offer adds zero% APR for the first 12 months with an APR range of 13.99% – 23.99% after the introductory period expires in 12 months. The cash advance fee is 5% or a minimum of $10 per transaction with an APR on cash advances of 25.24%. The foreign transaction fee is 2.7%.

4. American Express Cash Magnet Card

  • Credit score requirement: Excellent to Good 700 minimum credit score

The Amerian Express Cash Magnet Card is a cashback rewards card that pays you to use the card for dining, shipping, travel, and more.

Benefits of the American Express Cash Magnet Card

The rewards system allows cardholders to earn a statement credit of $200 after spending $2,000 with the card within the first six months of membership activation. Rewards come in the form of unlimited cash back on purchases of 1.5%. The Reward dollars can be redeemed for statement credits.

Associated costs of this card

There is no annual fee for using the American Express Cash Magnet Card. The first 15 months’ APR is zero% as an introductory offer. After the introductory period expires, the APR ranges from 13.99% – to 23.99%. No balance transfers are allowed. The cash advance fee is 5% with a minimum of $10 with an APR of 25.24%. Foreign transaction fees are 2.7%.

5. American Express Rose Gold Card

  • Credit score requirement: Excellent to good 680 minimum credit score

American Express offers the Rose Gold Card once again.

Benefits of the American Express Rose Gold Card

This is a rewards card that allows members to earn 60,000 rewards points after spending $4,000 on purchases within the first 6 months of opening the account. It’s best for people who dine out with 4 times the points earned per dollar spent with the card at restaurants throughout the world, including US takeout and delivery, and on groceries up to $25,000 per year spent at US supermarkets. Cardholders earn 3 points for every dollar spent on eligible air travel when booked directly with airlines or amextravel.com

Associated costs of this card

The annual membership fee is $250. The APR varies between 15.99% to 22.99. The APR for cash advances is 25.24% with a 5% charge for cash advances or $10, whichever is greater. There are no foreign transaction fees.

6. The Platinum Card from American Express

  • Credit score requirement: Good to excellent with 670 to 850 minimum credit score

The Points Guy describes a new exclusive offer for the American Express Platinum Card.

Benefits of the Platinum Card from American Express

This is a rewards card that lets members earn five times the membership rewards points for prepaid hotels booked through American Express Travel using the card. You also earn five times the membership rewards points for booking flights directly with airlines or American Express travel. The limit is $500,000 on flight purchases per year. A special introductory offer lets you earn up to 100,000 points. It also allows elite status at hotels and lounges with annual statement credits. It’s loaded with benefits for guests of Hilton and Marriott accommodations with premium concierge service access, and more.

Associated costs of this card

The annual fee for members is $695. The APR is15.99% to 22.99% variable. Cash advance fees are 5% or $10, whichever is greater with a cash advance APR of 24.25%.

7. American Express Green Card

  • Credit score requirement: Good to excellent credit of 670 minimum credit score or higher

Benefits of the American Express Green Card

This card allows cardholders to earn up to 40,000 membership rewards points after spending $2,000 on eligible purchases using the card within the first 6 months of opening the account. Holders earn 3 times the membership rewards points at restaurants throughout the world, including delivery and takeout at US restaurants. They also earn 3 times membership rewards points for transit including taxicabs, rideshare, tolls, parking, buses, subways, ferries, and trains. Three times rewards also apply to campground fees, tours, car rentals, cruises, hotels, airfare, third-party travel websites, and travel purchases made on Amex Travel. All other purchases accrue membership rewards at the rate of one point for every dollar spent using the card.

Associated costs of this card

The annual fee for this card is $150. The APR is between 15.99% to 22.99% variable.

8. Centurion Card from American Express

  • Credit score requirement: Excellent credit 800 credit score or better

Benefits of the Centurion Card from American Express

The Centurion Card is for applicants with excellent credit. It provides cardholders with one membership rewards point for each eligible dollar spent using the card on travel, merchandiser, shopping, and dining. There is no limit to the number of points you may earn and the points have no expiration date. This option is an expensive card. It is most commonly associated with the very wealthy and celebrities. The card affords elite airline status with values up to $3k per year. Enjoy unlimited upgrades and complimentary services such as fee waivers for baggage and same-day fees. Book paid flights and earn higher while enjoying extra SkyMiles. Elite Hotel status is another benefit of the Centurion card. enjoy elite status at Marriott Bonvoy, Hilton Honors, and IHG Rewards. The concierge services are personal for helping you with various tasks. It provides 24/7 help with a personalized touch. The concierge service is convenient for assistance with travel-related queries, dinner reservations at exclusive venues, finding exclusive shopping items, and front-row seats at exclusive events, according to UP.

Associated costs of this card

The Centurion card plan charges $5,000 per year. The APR for purchases is 15.99%. You may not transfer balances with this card. Cash advance fees are 5% or a $10 minimum. The cash advance APR is 25.24%. There are no fees charged for foreign transactions.

9. American Express EveryDay Preferred Card

Business Insider reports this is a card best for frequent shoppers.

  • Credit score requirement: Excellent 800 or better

Benefits of American Express EveryDay Preferred Card

The American Express EveryDay Preferred card is best for people who make regular purchases. It allows cardholders to gain a fifty percent points bonus for making a minimum of thirty card purchases in a billing cycle. Purchases made at US supermarkets earn three times the points for the first $6,000 spent during the year, then one point for every dollar spent using the card after meeting the threshold.

Associated costs of this card

The annual fee for the American Express EveryDay Preferred Card is $95. The APR is 12.99% to 22.99%. It has a variable rate depending on the market and your credit rating. The EveryDay Preferred is the best credit card option from American Express for people who shop regularly and make at least 30 purchases during each billing cycle.

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