Can You Get An American Express Credit Card With a 600 Credit Score? (2024)

FAQs

Can You Get An American Express Credit Card With a 600 Credit Score? ›

There is anecdotal evidence of applicants with scores as low as the mid-600s being approved, but that's rare. Even for the American Express® Green Card, a more beginner-focused travel card, a score of 670 or higher is probably necessary.

Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

American Express has some entry-level credit cards, but the cards with the most perks and benefits all have annual fees, and American Express still prefers customers who pay the entire balance due each month. You may be approved for a card if your FICO is in the high 600s and up.

I agree, secured cards are best for a 600 credit score. The Discover it® Secured Credit Card has a $0 annual fee and gives 1 - 2% cash back on purchases. It requires a $200 security deposit to open the account and set the credit limit. The Capital One Platinum Secured Credit Card also has a $0 annual fee.

The easiest American Express cards to get are those that require a minimum of good credit for approval as opposed to excellent credit only. The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get because they only require good credit.

Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion. And only the super rich and famous can expect to get the call, as...

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.

Where does the data on American Express^® MyCredit Guide come from? The data on your MyCredit Guide is based on your Experian^® credit report. Your FICO^® Score is calculated based on information in that credit report.

What is the minimum credit limit for American Express? ›

The minimum credit limit is different for every American Express card and usually falls between $1000 and $3000. American Express explains that every credit card comes with a minimum credit limit and a maximum credit limit.

The minimum salary requirement varies from card to card. However, to apply for an American Express® Credit Card, you must have a minimum salary of Rs. 4.5 lakh per annum.

Although there's no official score required to apply, the bulk of American Express' cards are designed for consumers with good or better credit. Those who qualify will typically be rewarded with a card that offers rich perks and benefits.

You can get a Discover credit card with any credit score or even no credit history at all. Discover has credit card options to fit every consumer. If you have bad credit or no credit history, you could get a secured card with Discover.

While a score of 600 won't disqualify you from being approved by lenders, it can make things, such as getting a loan or credit card, a little more challenging and will almost always lead to higher interest rates.

According to FICO®, for example, a fair credit score falls between 580 and 669. According to VantageScore®, a fair score ranges between 601 and 660. Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard.

According to Equifax, one of the three main credit reporting bureaus, that means you'll need a credit score of 670 or higher.

Credit scores that fall between 580 and 669 are considered to be fair. While this isn't technically bad, there's plenty of room for improvement. With a 650 credit score, you'll still have the ability to get a credit card.