What Credit score does American Express use? / What Credit score do you need for Amex?

22 Mar 2023 By PAYCEC

What is American Express's (Amex) Credit Score?

There is no specific "American Express Credit Score." American Express, like other lenders, uses a variety of factors when deciding whether to approve a credit card application, including credit scores from one or more credit bureaus.

What Credit score does American Express use?

American Express uses your FICO credit score to evaluate your creditworthiness for its credit cards. Your FICO score is based on information from your credit reports and ranges from 300 to 850.

The higher your score, the more likely you are to be approved for an American Express card and to receive favorable terms and rewards. The specific FICO score requirement for American Express cards varies depending on the card and other factors, such as your income, debt, and payment history.

What Credit score do you need for Amex?

A good credit score is typically 670 or higher, while an excellent score is usually 800 or higher.

However, a credit score is not the only factor when evaluating your creditworthiness. And the minimum credit score does not guarantee approval. Other factors you should consider include your income, employment status, credit history, and debt-to-income ratio.

Additionally, different American Express cards may have distinctive requirements, so carefully review those for the card you plan to have.

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