How do I get an American Express card?
Want an American Express card? Learn how to apply, check eligibility, choose the best Amex card, and get approved fast. Compare rewards, benefits, and credit score requirements.
Applying for an American Express (Amex) card is a simple process. Here’s a step-by-step guide to help you get approved:
1. Check Your Eligibility
Before applying, make sure you meet these requirements:
Be at least 18 years old (or state’s legal age). Have a U.S. address and Social Security Number (SSN). Have a good credit score (typically 670+ for most cards, but some require 740+). Have a stable income to support payments.Pro Tip: Check if you're pre-approved for an Amex card without affecting your credit score Amex Pre-Approval
2. Choose the Right American Express Card
Amex offers various credit cards based on your needs:Cash Back Rewards: Blue Cash Preferred® Card (great for groceries & gas).
✈ Travel & Points: The Platinum Card® (luxury perks & airport lounges).
Everyday Rewards: Amex Gold Card (dining & grocery rewards).
No Annual Fee: Blue Cash Everyday® Card (basic cash back benefits).
Compare all Amex cards here: Amex Credit Cards
3. Apply Online or by Phone
Once you pick a card, you can apply:Online: Visit the Amex website, choose a card, and click "Apply Now."
By Phone: Call Amex customer service and apply over the phone.
Application requires:
✔ Personal Information (Name, SSN, Address, Income).
✔ Employment Details (Job, Annual Income, Monthly Expenses).
✔ Credit History Review (Hard inquiry may temporarily affect your score).
4. Get an Instant Decision or Wait for Review
✔ Many applicants get an instant decision after applying.✔ If not approved immediately, Amex may request more information (proof of income, credit history review).
✔ If approved, expect your Amex card in 7-10 business days.
Pro Tip: If denied, you can call Amex reconsideration line to discuss your application.
5. Activate & Start Using Your Card
✔ Activate online or via the Amex mobile app.✔ Set up autopay & alerts to avoid missed payments.
✔ Link to Apple Pay/Google Pay for contactless transactions.
✔ Use Amex Offers for discounts & cashback rewards.
Remember: Always pay your balance on time to avoid interest & improve your credit score.
Final Thoughts
✔ Check pre-approval to see eligible offers.✔ Choose the best Amex card based on your spending.
✔ Apply online for a quick decision.
✔ Use your Amex card wisely to maximize rewards & benefits.
What do you use your credit card for the most?- Everyday purchases (groceries, gas, dining)
- ✈ Travel (flights, hotels, airport lounges)
- Cash back & rewards
- Building credit (first-time or low-credit user)
- Luxury perks & exclusive benefits
Do you prefer a card with no annual fee, or are you okay paying for premium perks?- No annual fee
- Higher annual fee, but with top-tier benefits
What’s your credit score range?- Excellent (740+)
- Good (670-739)
- Fair (580-669)