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American Express Credit Approval
- American Express does a hard inquiry when you apply for a loan. This credit report inquiry will likely drop your credit score by about 5 to 10 points, but you’ll be able to get back on track with a few months of on-time payments. 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.
- Amex usually only does hard credit pulls for new applications. You will need good or excellent credit to get approved. American Express appears to primarily pull credit reports from Experian.
Credit Score Requirements for American Express Cards
- According to the score ranges from FICO, American Express applicants typically have at least a 670 score: Exceptional. 800 and above.
American Express Credit Report and Score
- American Express reports your account status and activity to credit bureaus within a few days after your monthly statement date, once per month. In some cases, it can take up to 45 days. For new accounts, it can take up to 30 to 60 days to show up on your credit report.
American Express Exclusive Cards
- The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. It is reportedly reserved for people who spend at least $100,000 per year, and an invitation is needed to apply.
