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Regular Contributor
NY_Beauty
Posts: 193
Registered: ‎11-10-2012

Question about AMEX

What is the easiest Amex card to get?  What do you need to get it?  I would really like to get a Southwest card (not sure if it's Visa or MC) in the future since I fly them so much but would also like to feel like a grown up with an Amex. 

Amex Green Amex Gold Delta Rewards Discover IT CU Rewards Visa Closed on my new home 5/2013!

Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010

Re: Question about AMEX

It's easier to get approved for one of their charge cards and as opposed to a revolver. The Zync used to be the easiest to get, but since they've discontinued it the consensus seems to be that the Green is their entry level card. Since your scores are in the mid-600s, that would probably be the best Amex card to attempt.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: Question about AMEX

NY- I would say based on what I have seen and heard and read, that an Amex Charge card (Green to Platinum) are the easiest to qualify for, with the Zync being the easiest card for Amex to get approved for. Now, the Green I would think is entry level to get approved for. I am personally going to try for the Green or the Gold. The easiest revolvers from what I have seen to get approved for are the Delta Gold and the Hilton card. The harder ones to get approved for are the SPG and the BCE or BCP. Like tinuviel said in the previous post, it would be better for you to try for the Green because of you scores. If they had the Zync or they bring it back, you could qualify for that as well. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Regular Contributor
GoldenloveNY
Posts: 243
Registered: ‎02-29-2012

Re: Question about AMEX

How harder is it to get a AMEX Gold from the Green? I have the zync for the past two months, and would like to apply for either the green or the gold soon too.

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012

Re: Question about AMEX

[ Edited ]

Well, I don't think the Zync is upgradeable. But from what I have read, if you have the Green card, and you have some hisotry built upon it (i.e. you have had the card for 6-12 months) and everything looks good, you can ask them to upgrade for you to the Gold, because I have heard they use the same underwriting criteria for all of their charge cards. However, it is another inquiry if you do get approved for the Green, because the Zync for some reason is/was not allowed to be upgraded. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.
Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: Question about AMEX

What does your credit profile look like?  You may be in the running for an Amex Green if your file is decent. 

 

Do you have other credit cards with history?   What is your income?  Do you have any negative accounts or remarks?

 

All info will help us to know whether you would be in line for an Amex charge card approval.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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