Can You Get An American Express Credit Card With a 600 Credit Score? (2024)

FAQs

Can You Get An American Express Credit Card 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.

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.

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

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.

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.

The Capital One QuicksilverOne Cash Rewards Credit Card is one of the best cards available to someone with a 600 credit score. Not only will it give you the opportunity to improve your score, but you'll also earn an unlimited 1.5% cash back on each purchase. This card comes with a $39 annual fee.

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.

American Express credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a American Express credit card.

American Express is unlikely to be your first credit card issuer unless you have good credit or better (a credit score of 700+) or you become an authorized user on someone else's account.

Is American Express a good credit card for beginners? ›

Blue Cash Everyday® Card from American Express

The American Express Blue Cash Everyday Card is an excellent option for beginners looking to earn cashback rewards on everyday purchases. Cardholders earn $200 cashback in statement credits after spending $2000 in the first six months.

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.

You can borrow anywhere from a few thousand dollars to $100,000+ with a 630 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.

As someone with a 630 credit score, you have just crossed over into the “fair” territory of credit score bands. You can qualify for financial products, like a mortgage or car loan, but you will likely pay higher interest rates than someone with better credit.

What credit do you need for the Amex Gold Card? 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.

This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.