What FICO score does Amex pull?

Amex primarily pulls Experian, though sometimes Equifax or TransUnion reports. Chase favors Experian, but may also buy Equifax or TransUnion reports.


Which FICO score does Amex use?

We believe everyone should know their credit score and have the tools to understand it better. That's why we're giving you VantageScore® 3.0 by TransUnion®, and the key factors that affect your score for free, even if you are not an American Express® Card Member.

Can I get an Amex card with a 650 credit score?

This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.


What FICO score is needed for Amex Platinum?

The Platinum Card® from American Express requires good to excellent credit to qualify. This is typically defined as a credit score of 690 or better.

Can I get an Amex with 660 credit score?

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.


Which CREDIT Cards PULL From Which CREDIT BUREAU From (Based On Your CREDIT SCORE)



Which Amex is easiest to get?

When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.

What is the minimum income for Amex Gold?

American Express does not disclose a specific income requirement, but it will need to be enough to make payments on the card and to afford the $250 annual fee.

What is the minimum income for Amex Platinum?

Person Income/Business Income

We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum.


What is the average income for Amex Platinum?

Salary Needed for Amex Platinum Credit Card

If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.

How much income for Amex Platinum?

Annual income of $100,000 or more. Aged 18 years or over.

Does American Express use FICO 8?

American Express provides its cardholders with not only an educational FICO score but also their Fico Score 8. The latter number is the credit score the issuer uses to manage cardmembers' accounts and is based on data from a major credit-rating agency, Experian.


Is Amex platinum hard to get?

American Express generally requires a good to excellent credit score to qualify for The Platinum Card® from American Express. Terms apply. You'll want to have at least a 690 credit score before applying for the card. So, you may need to work on building your credit score before applying for the card.

What FICO score do you need for Amex Gold?

It's recommended that you only apply for the American Express® Gold Card if you have a FICO® Score of 670 or higher. Like just about all the best travel rewards cards, this card is for consumers with good or excellent credit.

Does Amex only pull Experian?

American Express uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Credit reports, however, don't differ that much from bureau to bureau.


Does American Express pull TransUnion or Equifax?

Amex primarily pulls Experian, though sometimes Equifax or TransUnion reports. Chase favors Experian, but may also buy Equifax or TransUnion reports.

Can I get an American Express with a 680 credit score?

While American Express doesn't publicize a minimum credit score for the Amex Gold Card, generally, applicants with a good credit score of 670 or above are more likely to qualify.

Is Amex platinum a luxury card?

Our quick take: The Platinum Card® from American Express is the king of luxury rewards travel cards, perfect for demanding travelers who place a high degree of value on perks like lounge access and complimentary elite status.


Is Amex Platinum high end?

Visit americanexpress.com to learn more. The Platinum Card® from American Express is a high-end card that is packed with benefits and a hefty welcome offer.

Is Amex Platinum still prestigious?

Yes, the American Express Platinum card is considered a prestigious credit card, as it's geared for big spenders who travel often and can take advantage of the card's many benefits. New cardholders earn 80,000 points for spending $6,000 in the first 6 months.

What salary do you need for a black Amex?

How much do you have to make to get Amex's black card? There aren't any income requirements per se, but you most likely need to be a high spender on your Amex cards. If you're in the ballpark of $250,000 to $500,000 in annual spending across all your open Amex cards, you may qualify for the Centurion card.


What is the annual income for Amex?

Salaries at American Express Co. (AMEX) range from an average of $59,630 to $146,262 a year.

Is Amex Platinum for millionaires?

The Platinum Card® from American Express is another exclusive credit card that millionaires tend to prefer. Also, this card isn't invitation-only.

Is Amex Gold hard to get approved?

Getting the Amex Gold Card isn't the easiest card to qualify for as you need good or excellent credit. That means having a minimum 670 FICO score and existing cards in good standing. Being an existing American Express cardholder can also make it easier to qualify.


Will Amex check my income?

Personal information usually includes your employment status, gross income, and mortgage or rental payments. They might also ask why you want a credit limit increase. If you're asked how much of an increase you'd like, be warned: asking for too much could get you denied.

Is Amex Gold or Platinum better?

Is Gold Card Higher Than Platinum? Both Amex Gold and Platinum offer a range of benefits, with the Gold card catering more to everyday spending and the Platinum card designed more for travelers. The Platinum card has more benefits, but it's annual $695 fee is higher than the Gold card's $250 fee.