You may be eligible for an American Express credit card if you have good or excellent credit (a credit score of 700 or higher) and more income than monthly expenses. Amex applicants also need to be at least 18 years old and have a Social Security number (SSN) and a U.S. street address.
American Express eligibility requirements:
- A credit score of 700 or higher (at least good credit) is required.
- Applicants must be at least 18 years old.
- A valid Social Security number is required. Or, if you don’t have a credit history in the U.S. but you have a credit card or loan in certain countries, you might be able to get approved without a SSN.
- You should have a U.S. address, not a P.O. Box.
Finally, it’s important to point out that not all these Amex eligibility requirements are set in stone. For example, it’s possible that an excellent credit history can outweigh a relatively low salary, or vice-versa. Some forums even report approvals for people with credit scores around 630, or salaries of $40,000. The application’s success ultimately depends on whether these factors combine to create what Amex would consider a creditworthy person.
This answer was last updated on 04/18/24 and it was first published on 03/11/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
