What Does Amex Use For Credit Score – People with good or excellent credit are more likely to be approved for this luxury travel credit card
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What Does Amex Use For Credit Score
What credit score is required for the American Express Platinum Card? In most cases, you have a better chance of approval with a FICO credit score between 670 and 850.
Amex Platinum & Business Platinum Credit Score Requirements [2023]
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The Platinum Card® from American Express, also known as Amex Platinum, is one of the best travel cards today — and even if you’re not a frequent flyer, you can still take advantage of Platinum Card benefits like Uber Cash, credits . for the Equinox. , Saks Fifth Avenue, The New York Times and more.
However, there are a few things you should know before you apply for the Amex Platinum Credit Card. First, it has a $695 annual fee. The Amex Platinum is a premium card that offers cardholders top tier benefits, including a $200 annual airline credit fee — but be prepared to pay one of the highest annual fees in the industry before you can- access these high benefits.
Second, you’ll need a good credit score. Our research suggests that American Express is more likely to approve you for the Amex Platinum Card if you have good or excellent credit.
Amex ‘apply With Confidence’ Feature: Know If You’ll Be Approved Before You Apply
Under the FICO credit scoring model, anyone with a score of 670 to 739 has good credit, anyone with a score of 740 to 799 has very good credit, and anyone with a score of 800 or higher has exceptional credit.
If you haven’t built a good credit history, you may want to hold off on your Amex Platinum application.
If you don’t have the required credit score for a platinum card, you have options. Start by asking yourself what you can do to improve your credit score — for example, do you need to use a balance transfer card to consolidate and pay off existing card debt?
You may want to consider applying for a separate American Express credit card, especially if you want to start earning Membership Rewards points while building your credit score.
Visa Vs. Amex Vs. Mastercard [differences, Acceptance & Perks]
Adding a new credit card to your wallet can improve your credit score by increasing the amount of credit available to you — but the application itself can lower your credit score by a few points because Amex will do more hard check on your credit report.
If you’re thinking about applying for an Amex Platinum — or any other credit card — it’s a good idea to use a service like CardMatch to find out if you pre-qualify. Using CardMatch won’t hurt your credit, and you may even be eligible for special introductory offers.
If you want to build the credit score you need for the American Express Platinum Card, here are some tips to help you:
If you want to have good credit, using your current credit card responsibly is the best thing you can do. Pay on time, don’t take on debts you can’t pay back and don’t apply for too much new credit in a short period of time. These types of positive credit habits will make you a better candidate for a range of premium credit cards like the Amex Platinum.
How To Check Your Credit Score For Free
We recommend that you have good or excellent credit before applying for the Amex Platinum Card. That means your FICO credit score must be between 670 and 850. If you don’t have credit yet, try to raise your credit score before you apply.
Once you’re approved for Amex Platinum, be sure to take advantage of every benefit this luxury travel credit card has to offer. You’ll discover just how far your American Express Platinum Card can take you once you start using your Membership Rewards points and credits.
The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It is not provided or enabled by credit card issuers. However, we may receive compensation when you click on links to our partners’ products.
Nicole Dicker is a freelance writer focused on personal finance and habit development. He spent five years as a writer and editor at The Billfold, a personal finance site where people have honest conversations about money, and he regularly teaches classes on how to build your income as a freelancer.
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Fico Scores Vs Credit Scores
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What Credit Score Do You Need to Get an American Express Gold Card? Requirements and tips for approval in 2023
Terms apply to American Express benefits and offers. Registration may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. The content on this page is accurate as of the date of posting; However, some of our partner offers may have expired.
While not technically a travel rewards credit card, the American Express® Gold Card offers many benefits for frequent vacationers, especially those who love to eat out. In addition to the 4x bonus point categories, it features a variety of ways to earn back the $250 annual fee (see Rates and Fees). I recommend combining it with a premium travel credit card like The Platinum Card® from American Express.
Ways To Protect Your Credit Score During Economic Shifts
This article will outline the minimum credit score required to be approved for an Amex Gold Card, as well as other requirements and application tips.
– Current Welcome Bonus Offer: Earn 60,000 Membership Rewards points after spending $4,000 on purchases within the first 6 months of account opening.
– Up to $120 in dining credits per year
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