Your Amex Blue Cash Everyday Card approval odds are good if you have a credit score of 700+, which is considered good credit. Approval odds for the Amex Blue Cash Everyday credit card will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN or ITIN, as well.
What You Need for Good Amex Blue Cash Everyday Card Approval Odds
- Good credit or better
- Enough income to pay credit card bills
- Low debt relative to income
- Low housing costs relative to income
- U.S. mailing address
- Age of 18+
- Social Security Number or Individual Taxpayer Identification Number
Keep in mind that many of these are guidelines rather than requirements. For example, you may have a low annual income but no debts and still get approved.
To get a better sense of your approval odds before applying for the Amex Blue Cash Everyday Card, you can check to see if you’re pre-qualified for any offers on the American Express website. Pre-qualifying does not guarantee approval, but it does indicate that you have pretty good odds of getting approved for certain cards, and it won’t affect your credit score.
If you want to enhance your application byimprovingyour credit score, WalletHub’sfree credit analysiscan tell you what steps to take.
This answer was first published on 02/26/24. 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.
FAQs
You'll need a good to excellent credit score (670 to 850) to have the best odds of approval for the Blue Cash Everyday.
Is it hard to get approved the Amex Blue Cash Everyday? ›
The recommended credit score for the Amex Blue Cash Everyday is a good to excellent FICO score (670 to 850). However, you may have a better chance of qualifying for the card if you have at least a very good FICO score (740 to 799).
Is the Blue Cash Preferred card hard to get? ›
Amex Blue Cash Preferred Credit Score Needed
The higher your credit score is, the more likely you are to get approved. If you're applying for the Blue Cash Preferred® Card from American Express, Amex requires a good to excellent credit score for approval.
What is the average credit limit for American Express Blue Cash Everyday? ›
The credit limit for the Blue Cash Everyday® Card from American Express normally ranges from $1,000 to $15,000 or more, with some online reporting limits of over $40,000. Your spending limit will be based on a variety of factors, including your annual income and credit history.
What income do you need for Amex Blue Cash Everyday? ›
The Amex Blue Cash Everyday has no disclosed minimum income requirement. However, as with any credit card, you will need to have sufficient income to afford payments. When applying, your total annual income may include wages, retirement income, rental properties and other personal income you can rely upon.
What credit score do I need for American Express Blue Cash? ›
The Amex Blue Cash Everyday credit score requirement is 700, at a minimum.
What is the easiest American Express card to get? ›
The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get approved for because they only require good credit. While the best American Express credit cards aren't that easy to obtain, there are several credit cards from other...
What is the 6% limit on Blue Cash Preferred? ›
The Amex Blue Cash Preferred earns 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) and 1% cash back on other ...
What is the introductory rate for the Blue Cash Preferred card? ›
1. Take advantage of 0% intro APR offers. One of the many benefits of the Blue Cash Preferred is its 0 percent intro APR on purchases and balance transfers for the first 12 months (then 19.24 percent to 29.99 percent variable APR after) that can be used for financing larger purchases or paying off debt.
How do you get approved for Blue Cash Preferred? ›
Credit score required for the Blue Cash Preferred
Amex recommends having "good to excellent" credit to apply for the card, which means you should aim for at least a 670 score. However, we recommend a 700+ credit score for increased chances of getting approved.
Their goal is that you don't default on payments by having too much debt and not pay it off. When you're under financial review, they'll freeze all of your accounts, and you'll need to send in documents about your income. They will request tax returns and bank statements.
What is the difference between Amex everyday and Blue Cash Everyday? ›
The biggest difference between the Blue Cash Everyday and Amex EveryDay is that the Blue Cash card earns cash back in the form of Reward Dollars, which can be redeemed as statement credits. Meanwhile, the Amex EveryDay earns American Express Membership Rewards points.
Can I upgrade my Amex everyday card to Blue Cash Everyday? ›
You can upgrade or downgrade between the Amex EveryDay® Credit Card and The Amex EveryDay® Preferred Credit Card from American Express, but not beyond — meaning you can't request a product change from one of these Membership Rewards-earning cards to, say, an AmEx card that earns cash back (like the Blue Cash suite of ...
How hard is it to get a American Express Blue Business Cash Card? ›
You typically need a personal FICO score of 690 or higher to qualify for an AmEx business card. Beyond that, AmEx also considers factors like your business credit score and annual business revenue.
What credit score do you need for the AmEx Everyday card? ›
Amex EveryDay Credit Card credit score requirement
This card requires a good to excellent credit score for the best approval odds. This means your FICO credit score should be between 670 and 850, but you'll have a better chance of approval if your score is 700 or more.
How long does it take to get approved for AmEx Blue Cash Preferred? ›
It can take under a minute to get approved for the Blue Cash Preferred card if you apply online. If you don't get a decision immediately after applying, it could just mean that your application is being reviewed in more detail. In that case, you'll receive a decision in 7-10 business days.
Is AmEx hard to get approved? ›
It is hard to get an American Express credit card because all cards offered by American Express require good credit or better for approval, which may be out of reach for the average consumer. Applicants need a 700 credit score and a steady income to have good approval odds for an American Express credit card.
