There are lots of American Express cards to apply for when applying for a credit or debit card, but in this article, we will be discussing the easiest American Express card to get.
There is a misconception that American Express credit cards are highly difficult to obtain when compared to other companies’ cards.
However, there are Amex card offers that are easier to get approved for and that’s what we will discuss in this article, the easiest American Express card to get.
Give n below are our picks of the five easiest American Express cards to get;
American Express Blue Cash Preferred Card
The first American Express card we will be discussing in this article on the easiest American Express card to get is the American Express Blue card.
While not considered the best American Express cards to receive when compared to other Amex offerings, their slimmer qualifications to apply appeal to many, all while still receiving a favorable credit card from a trusted provider.
American express credit score needed
When it comes to getting approved for some of the best or even for multiple American Express cards, the recommended credit score is typically around the ‘good’ (700-749) or ‘fair’ (650-699) range.
When it comes to the easier-to-obtain AmEx credit cards such as the above listed, a minimum score approved is often around the higher-end of the ‘poor’ (~640) range.
Nevertheless, it is recommended that one goes into the credit card application process with the best credit possible. The closer one’s score is to ‘good’ or ‘excellent,’ the better.
Let’s compare Best American Express Cards you can get right now
With an emphasis on the easier-to-get Amex cards Green card, Gold Delta card, and Blue Cash Preferred there are differences important to compare.
First coming to these cards’ essentials, the Amex Blue Cash Preferred is the only one out of the two that require a yearly fee right off the bat while the other two require the same annual fee but not until after the first year.
The APR, or interest rate, for the Blue Cash, is 0% for the first 12 months then 14.49% to 25.49% thereafter while the Gold Delta’s variable APR is listed at 17.24% to 26.24%.
Meanwhile, the Green card has no interest rates as one must pay back dues on a monthly basis.
Amex Travel & Shopping Rewards
Travel and shopping & entertainment benefits also vary, that being said this is one of the easiest American Express cards to get we will be discussing in this article.
The Amex Gold Delta offers the fewest, least important travel benefits; first checked bag free, discounted Delta Sky Club access, and priority boarding.
The Green card offers double reward benefits, a roadside assistance hotline, baggage insurance plan, and membership rewards.
Pay with Points while Blue Cash offer stranded on the side of the road assistance and travel accident insurance while also sharing Global Assist Hotline and car rental loss and damage insurance with a Green card.
All three cards additionally have varying shopping and entertainment benefits, however, all offer purchase protection for those who drop their phone as well as an extended warranty when a manufacturer’s warranty runs out.
American Express Gold Card
This is one of the easiest American Express cards to get and it is the best American Express card for foodies and travelers.
If you enjoy delicious fare, either at a restaurant or at home, the American Express Gold Card can earn hefty rewards.
Because of its massive earning potential at restaurants and U.S. supermarkets, foodies and travelers alike rave about this card. And if you are able to fully utilize the annual dining credit and hotel credit, your effective annual fee is just $250.
Tip: Use your card every time you order in and head to the U.S. supermarket to ensure you’re getting the most value from the earning rate and working to offset the high American Express Gold Card annual fee.
You get 60,000 Membership Rewards Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. Plus you get to pay an Annual Fee of $250.
When you spend on the American Express Gold Card you will earn generous rewards at restaurants and U.S. supermarkets:
Earn 4X Membership Rewards Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards points on flights booked directly with airlines or on amextravel.com. Terms apply.
Blue Cash Preferred Card from American Express
The blue cash preferred card is another one of the easiest American Express cards to get and it is the best American Express card for cashback.
Sorting through travel partners and keeping track of rewards can become time-consuming for some. If you prefer simpler rewards, a cashback card like the Blue Cash Preferred Card from American Express can save you money on daily expenses.
With the card’s robust cash-back categories, you can earn heaps of cashback, including an industry-leading 6% cashback on your first $6,000 in U.S. supermarket purchases each year, redeemable for statement credits.
The card comes with a $0 introductory annual fee for the first year, then a $95 annual fee, which is well worth it if you spend sufficiently at U.S. supermarkets.
However, if your spending habits will not out-earn the annual fee, consider applying for the $0 annual fee Blue Cash Everyday Card from American Express.
Tip: Use our rewards calculation to see if you can earn enough Blue Cash Preferred® Card from American Express rewards to offset the card’s annual fee before applying.
You get $300 back after you spend $3,000 in purchases on your new Card within the first 6 months as a welcome offer. And you pay an annual fee of $0 introductory annual fee for the first year, then $95 subsequently.
The Blue Cash Preferred Card from American Express offers generous rewards in everyday spending categories, including U.S. gas stations and U.S. supermarkets:
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), 1% Cash Back on other purchases.
American Express Green Card Benefits vs Gold Delta and Blue Cash
When it comes down to the benefits and other specs of these easiest American Express cards to get, the Amex Green Card is the most relevant to first credit cardholders.
The Amex Green card is most relevant for a first-time credit card holder and/or one who does not plan on making significantly large purchases via credit as credit must be paid monthly.
The Blue Cash Preferred and Gold Delta cards are generally more comparable. More advanced credit card holders may find the Blue Cash or Gold Delta cards more relevant and safe considering guaranteed fraud protection.
One who makes more credit purchases annually and desires more rewards may find the Blue Cash Preferred greater overall three cards considering the lower APR variable.
Considering there is an annual fee upfront for the Amex Blue Cash while the $0 annual fee for the first year with the Gold Delta card, it is not much of a deal-breaker if one finds a general gain in the variant and more numerous benefits provided by the Blue card.
However, unlike the American Express Green card, the Blue Cash and Gold Delta options are great cashback credit cards for families.
Travelers will prefer American Express’ Blue Cash or Green card, but the deal-breaker between these two is whether one is willing to pay back monthly balances each month (Green) or stick to annual interest rates (Blue).
Getting Approved for Amex credit card
Now that you know the easiest American Express card to get, let’s help get your application approved.
Even with decent credit, if one is a little below the minimum requirements to get a credit card, there are things one can do to boost their chances of getting approved the next time around.
First off, it is recommended one waits for a minimum of 60 days between credit card applications to not only allow time to recoup but also because reviews of credit dip score a few points more each time, making it increasingly difficult to gain low APRs or high sign-up bonuses.
Through the gap period, one can work on boosting their credit, building their credit history, and/or resolving other barriers preventing them from getting approved by American Express.
It is important that one focuses on making smart credit decisions and ensures bills are paid on time going forward. It is also potent that one reaches out to creditors and/or a credit counselor if managing one’s credit is a struggle.
Sometimes a month or few of good credit decisions can make all the difference before sending in another application.
Getting Rejected for a Credit Card
One major reason people get denied an American Express credit card in the first place is due to poor credit. A credit score, which usually ranges from 300 to 850, represents one’s financial responsibility when it comes to paying back debts.
As an overall guideline, the higher one’s credit score, the better one’s credit is. Credit tells a lender how responsible, thus capable of paying back owed balances, a cardholder will be, which is why lenders prefer the best credit possible.
Say you have decent or even good credit and are still rejected from opening a new Amex credit card.
There are other reasons why one may be rejected:
- Not at least 21-years-old or 18-years-old without parent permission and/or no source of income
- No steady source of income
- Haven’t been working at a current job long enough
- Minimal/non-existent credit history
- Too many inquiries on a credit report
Other reasons for an Amex credit card application being denied include: inability to provide important information (e.g., legal name, Social Security Number), having an off-charge present, holding a recent record or public record, having recent delinquency, having too many credit cards currently open, or having loan or credit card balances too high.
Fortunately, even if one gets denied, one can apply and get approved for other American Express cards.
Finally, you now know the easiest American Express card to get and how to get them, you can pick whatever one best suits you from the ones we’ve discussed in this article.
The above cards are often approved for applicants with average qualifications, meaning that the bars are not set unbelievably high.