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Question about AMEX

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NY_Beauty
Regular Contributor

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!

Message 1 of 6
5 REPLIES 5
tinuviel
Moderator Emeritus

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
Message 2 of 6
bluesnowman
Frequent Contributor

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.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 3 of 6
GoldenloveNY
Frequent Contributor

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.

Citi Double Cash: $1,000
Capital One Secured: $500
Capital One Savor One: $1,650
Amex Gold- NPSL.
Amex Platinum- NPSL.
Amex Delta Gold: $1,000
Best Buy Store Credit Card: $2,000
Amazon Store Credit Card: $6,000
Verizon Visa Card: $2,000

Bj's Perks Elite Mastercard: $2,300

Merrick Credit Card: $1,400
First Savings Credit Card: $1,250
Message 4 of 6
bluesnowman
Frequent Contributor

Re: Question about AMEX

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.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 5 of 6
webhopper
Moderator Emeritus

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.

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!


Message 6 of 6
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