Card Prerequisites for American Express [2025]

Card Prerequisites for American Express [2025]

American Express, also known as Amex, offers a variety of credit cards designed to cater to different spending habits and preferences. Here's a rundown of some popular American Express cards and their key features.

The American Express Gold Card functions as an everyday spending card, offering rewards for dining, travel, and supermarket purchases. It also comes with a host of travel rewards, travel and shopping protections, and Membership Rewards points.

For those with good to excellent credit, the Hilton Honors American Express Card and the Delta SkyMiles Blue American Express Card are examples of hotel and airline-branded cards that may be easier to get approved for.

The Blue Cash Everyday Card from American Express offers cash-back on every purchase, with higher earnings at U.S. supermarkets, gas stations, and online retail purchases.

Select American Express cards, such as the Amex Platinum and Amex Green Card, do not charge foreign transaction fees or have annual fees. The Amex Platinum card offers world-class travel benefits, while the Amex Green Card offers Membership Rewards points on eligible travel, transit, and restaurant purchases.

Some American Express cards come with impressive welcome bonus offers. For instance, you may be eligible for as high as 100,000 Membership Rewards Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. However, welcome bonus offers may be limited to once in a lifetime and not be available if you have previously had the card for which you are applying.

Business travellers might find the Business Platinum Card from American Express beneficial, offering statement credits that deliver savings. The American Express Business Gold Card offers 4x points in 2 select categories where your business spends the most each month.

It's important to note that American Express cards are accepted in over 170 countries and in 99% of places in the U.S. that accept credit cards. American Express also offers a range of financial products, including high-yield savings accounts, traveler's checks, prepaid cards and gift cards, corporate cards, and a free credit report via American Express MyCreditGuide.

Before applying for any American Express card, it's recommended to check for existing offers, obtain a copy of your credit report, and determine your credit score. American Express typically recommends a good to excellent credit score (around 670 and above) for approval. Other factors considered for American Express card approval include employment status, income, and history with American Express.

American Express does not perform a hard pull for existing customers who apply for a new credit card during the application process. However, there is a limit to how many American Express cards you can have, with a maximum of 4 consumer or business credit cards and 10 charge cards.

Lastly, the Platinum Card from American Express comes with cell phone protection, covering a stolen or damaged eligible cellular wireless telephone, subject to terms, conditions, exclusions, and limits of liability. The maximum liability is $800 per claim, per eligible card account, with a $50 deductible and two claims per 12 month period. Eligibility and benefit level vary by Card. The coverage is underwritten by New Hampshire Insurance Company, an AIG Company.

In conclusion, American Express offers a diverse range of credit cards catering to various spending habits and preferences. By understanding the key features of each card and ensuring good credit standing, you can make an informed decision when choosing an American Express credit card that best suits your needs.

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