Answered: What credit score do you need for Amex® Gold? | Join the Discussion Now (2024)
The American Express® Gold card needs you to have at least a good or excellent FICO® Score (670-850, but anything above 700 is usually recommended by most experts) for approval. Some of the benefits offered by the Amex Gold card are 60,000 Membership Rewards® points and extra points at restaurants globally, supermarkets in the United States, and when booking flights. You also get $120 Uber cash and up to $120 dining credit annually when you pay using the Gold Card on Grubhub.
As with most credit accounts, your credit score alone does not guarantee approval for the Amex Gold card. Your employment and payment history along with your income to debt ratio are also considered to decide your creditworthiness. Your chances of approval are higher with a good credit score because it indicates good and responsible credit behavior to the lenders.
However, premium cards like the American Express Gold card
American Express Gold card
The Amex Gold Card offers a competitive rewards structure of 4 Membership Rewards® points per dollar at restaurants, plus takeout and delivery in the U.S., 4 Membership Rewards® points per dollar at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1 point per dollar), 3 Membership Rewards® ...
generally require good to excellent credit. According to Equifax, one of the three main credit reporting bureaus, that means you'll need a credit score of 670 or higher.
If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible.
Is it hard to get an Amex Gold Card? It is hard to get the American Express® Gold Card because you will need good to excellent credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be very hard for you to get approved for the Amex Gold card.
Credit card applications can be denied for many reasons: an insufficient credit history, a low credit score, or too many card accounts opened too quickly, to name a few. If it happens, it's probably not the outcome you were hoping for.
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