Der American Express Kundenservice: Jederzeit für dich da (2024)

FAQs

What is the hardest American Express card to get approved for? ›

A rating of 5 is the best a card can receive. 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.

Within the U.S., American Express touts a 99% acceptance rate among merchants that accept credit cards.

High Fees and Slow Funding – But Not Anywhere

Not surprisingly, this was a major turn-off for business owners. As if that weren't enough, American Express also developed a reputation for siding more frequently with the customer than with the business when it came to chargebacks and other disputes.

You may be denied an American Express card if your income is too low or difficult to verify. Creditors want to know that you're careful about how often you apply for new credit. How much money you currently owe compared to how much you earn is an important consideration.

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.

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.

Cards such as the Amex EveryDay® Preferred Credit Card from American Express and Blue Cash Preferred® Card from American Express usually recommend a 670+ score. However, there is anecdotal evidence of scores in the lower 600s being approved.

As the name suggests, Amex's once-per-lifetime rule restricts welcome bonuses to one per card. So if you apply for The Platinum Card® from American Express today and earn the 100,000-point bonus after spending $6,000 within six months, you won't be eligible for another bonus on that card.

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.

Why do people not use American Express? ›

The different fees often make or break a deal for a merchant. This is why many merchants, especially small businesses, don't accept American Express. American Express' interchange fee is just too high. Providers like Visa and Mastercard charge between 1.15% and 2.5%, while Amex charges merchants between 1.43% and 3.3%.

American Express is one of the leading card issuers in the United States. It's known for its top-notch customer service and some of the best rewards available. From ultra-elite business travel cards to everyday rewards, American Express has credit cards that are a good choice for many different types of cardholders.

No, denied credit applications won't appear on your credit report. Lenders don't report whether your applications were approved or denied because even approved applications don't necessarily result in a new account. Generally, if you're approved for a credit card, the card issuer will open the account automatically.

Amex uses a soft credit pull to determine whether you've met its minimum standards for a particular card. Amex will only perform a hard inquiry—which can impact your credit score—if you are approved for a card and accept it.

The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.

Cards such as the Amex EveryDay® Preferred Credit Card from American Express and Blue Cash Preferred® Card from American Express usually recommend a 670+ score. However, there is anecdotal evidence of scores in the lower 600s being approved.

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.