American Express Credit Cards
American Express credit cards usually require good or excellent credit scores for approval. The Blue from American Express card is likely the easiest card to get approved for. Approval also depends on income level. The Centurion Card is very exclusive and requires invitation, high fees, and initiation costs.
Business Gold Rewards Card
The Business Gold Rewards Card does not have a preset spending limit. Its annual fee is $295. The card provides membership rewards points and travel perks. It requires good credit for approval.
Scotiabank Gold American Express Card
The Scotiabank Gold American Express Card lets you earn up to 5x points per $1 at certain retailers. Benefits include bonus rewards and flexible redemptions.
Advantages of Business Cards
- While business cards have similar credit requirements, their advantages differ.
- Frequent travelers may prefer airline mile or hotel perks.
- Those concerned with costs may want a 0% APR and no annual fee.
American Express® Gold Card Approval
- It is hard to get the American Express® Gold Card.
- Unless your credit score is 700 or higher and you have a lot of income, you likely will not get approved.
Amex Business Cards
- Amex business cards can be beneficial additions to your wallet.
- Some Amex business cards have good welcome offers.
- Applying for Amex business cards is easy.
Credit Score Requirement for American Express Business Card
- The American Express Blue Business Cash Card is a good small-business card offering 2% cash back up to $50,000 a year, then 1%. Approval requires a good to excellent credit score.
- While Amex runs credit checks for business cards, you generally need very good or excellent personal credit – a score around 740 or higher.
- However, Amex won’t do a hard pull if you withdraw your application.
- Every issuer has its own criteria, but 650 is usually the minimum score needed for an unsecured business card.