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, as follows:
- American Express Green card
- American Express Gold Delta card
- American Express Blue Cash Preferred card
The above cards are often approved for applicants with ‘average’ qualifications, meaning that the bars are not set unbelievably high. 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.
|Best for||Card Name||Annual Fee|
|Reward points||Green card||$0 first year, then $95|
|Travel rewards||Gold Delta card||$0 first year, then $95|
|Shopping||Blue Cash Preferred card||$95|
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 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 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.
Miles, Points and Fraud protection
The reward benefits are different between these three cards with the Amex Green card offering double membership reward points, 1x points for every dollar you spend, and a membership rewards program. Blue Cash allows one to earn rewards faster via adding more cards for family or friends as well as cash-back benefits for monthly spending while the American Express Gold Delta card allows one to earn a mile per dollar for purchases as well as access via the Amex mobile app. In similarity, all offer a year-end summary. Blue Cash and Gold Delta both offer fraud protection to ensure one won’t be held for fraudulent charges while the Green card offers dispute resolution to help resolve issues with fraud.
Amex Travel & Shopping Rewards
Travel and shopping & entertainment benefits also vary. 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 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 extended warranty when a manufacturer’s warranty runs out.
American Express Green Card Benefits vs Gold Delta and Blue Cash
When it comes down to the benefits and other specs of these three, easiest to get, American Express cards, 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 over all three cards considering the lower APR variable. Considering there is an annual free upfront for the Amex Blue Cash while $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 a great cash back credit card 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).
In the end, while the Amex Blue Cash Preferred costs more upfront and contains overall more rewards and benefits all throughout, it is potent that one takes the time to see which are truly more important that one card holds that another may not, in addition to other specs.
How to Get Approved for Amex credit card
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 a minimum of 60 days between credit card applications to not only allow time to recoup but also because reviews of credit dip scores 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 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 by 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 card holder 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 a 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 credit report
Fortunately, even if one gets denied, one can apply and get approved for other American Express cards.