There are several American Express cards available when applying for a credit or debit card, but we will examine the simplest American Express card to obtain in this post.
There is a widespread misunderstanding that American Express credit cards are more difficult to get in comparison to those issued by other businesses.
However, there are American Express card offers that are easier to obtain approval for, and that is what this article will address, the simplest American Express card to obtain.
The following are our recommendations for the five simplest American Express cards to obtain;
Blue Cash Preferred Card from American Express
The American Express Blue card is the first American Express card we’ll explore in this post on the simplest American Express cards to obtain.
While they are not the greatest American Express cards to obtain in comparison to other Amex offers, their less stringent application requirements appeal to many, since they still receive a desirable credit card from a reputable source.
Credit history with American Express is required.
When it comes to getting authorized for some of the best or even many American Express cards, a credit score in the ‘good’ (700-749) or ‘fair’ (650-699) level is normally advised.
When it comes to the easier-to-get AmEx credit cards, such as the ones mentioned above, the minimum score required to be accepted is frequently towards the upper end of the ‘bad’ (640) range.
Nonetheless, it is advised to enter the credit card application procedure with the greatest possible credit. The closer to ‘good’ or ‘outstanding’ one’s score is, the better.
Contrast The best American Express credit cards available right now
With an emphasis on the more accessible Amex cards such as the Green card, Gold Delta card, and Blue Cash Preferred, there are crucial distinctions to make.
To begin, the Amex Blue Cash Preferred is the only one of the two that requires an annual fee immediately, whilst the other two demand the same amount after the first year.
The Blue Cash’s annual percentage rate, or interest rate, is 0% for the first 12 months and then 14.49 percent to 25.49 percent, while the Gold Delta’s variable APR is 17.24 percent to 26.24 percent.
Meanwhile, the Green card does not charge interest because dues must be paid on a regular basis.
American Express Travel & Shopping Reward
Benefits for travel, shopping, and entertainment also differ; nonetheless, this is one of the easiest American Express cards to obtain that we will explore in this post.
The Amex Gold Delta card gives the fewest and least valuable travel advantages; the first checked bag is free, Delta Sky Club admission is reduced, and priority boarding is available.
The Green card comes with double reward points, a 24-hour roadside assistance helpline, luggage insurance, and membership advantages.
Pay with points, while Blue Cash offers roadside assistance and travel accident insurance, as well as access to the Global Assist Hotline and vehicle rental loss and damage insurance when combined with a Green card.
Additionally, while the three cards provide various shopping and entertainment incentives, they all include purchase protection for individuals who drop their phone and an extended warranty after the manufacturer’s guarantee expires.
Card American Express Gold
This is one of the most straightforward American Express cards to obtain, and it is the finest American Express card for foodies and travelers.
If you like delectable food at a restaurant or at home, the American Express Gold Card may earn you substantial benefits.
Due to the enormous earning potential in restaurants and supermarkets in the United States, foodies and visitors alike enthuse about this card. Additionally, if you maximize your yearly dining and lodging credits, your effective annual price is just $250.
Tip: Use your card whenever you order in or visit a US supermarket to maximize your earning rate and offset the hefty annual fee on the American Express Gold Card.
After spending $4,000 on eligible purchases with your new Card during the first six months, you’ll earn 60,000 Membership Rewards Points. Additionally, you must pay a $250 annual fee.
When you use your American Express Gold Card to make purchases at restaurants and supermarkets in the United States, you’ll receive substantial rewards:
Earn 4X Membership Rewards points at restaurants, including takeout and delivery, and 4X Membership Rewards points at US supermarkets (up to $25,000 in purchases per calendar year, then 1X), as well as 3X Membership Rewards points on flights booked directly with airlines or through amextravel.com. Terms and conditions apply.
American Express Blue Cash Preferred Card
The blue cash preferred card is another simple American Express card to obtain, and it is also the greatest American Express card for cashback.
For some, sorting between travel partners and keeping track of awards might become tedious. If you want simpler benefits, a cashback card such as the American Express Blue Cash Preferred Card might help you save money on everyday purchases.
With the card’s extensive cash-back categories, you may earn a substantial amount of cashback, including an industry-leading 6% cashback on your first $6,000 in United States grocery purchases each year, redeemable for statement credits.
The card has a $0 annual cost for the first year, followed by a $95 annual fee that is definitely worth it if you spend enough at US supermarkets.
However, if your purchasing patterns do not justify the annual charge, try applying for American Express’s $0 annual fee Blue Cash Everyday Card.
Before applying, use our rewards calculator to determine whether you can earn enough Blue Cash Preferred® Card from American Express rewards to offset the annual fee.
As a welcome promotion, you’ll receive $300 back after spending $3,000 on purchases with your new Card during the first six months. And you pay a $0 introductory yearly cost for the first year, followed by a $95 annual fee thereafter.
The American Express Blue Cash Preferred Card gives high rewards on daily purchases, including petrol stations and supermarkets in the United States:
6% Cash Back at U.S. supermarkets on purchases up to $6,000 per year (then 1%), 6% Cash Back on certain U.S. streaming subscriptions 3 percent Cash Back at petrol stations and on public transportation in the United States (including taxis/rideshare, parking, tolls, trains, and buses), and 1% Cash Back on all other transactions.
Benefits of the American Express Green Card vs. the Gold Delta and Blue Cash
When it comes to the perks and other features of these simplest American Express cards to obtain, the Amex Green Card is the most advantageous for first-time credit cardholders.
The American Express Green card is most advantageous for first-time credit cardholders and/or those who do not intend to make big purchases on credit, as credit must be paid monthly.
In general, the Blue Cash Preferred and Gold Delta credit cards are more comparable. Credit cardholders with more sophisticated credit capabilities may find the Blue Cash or Gold Delta cards to be more relevant and secure in terms of assured fraud protection.
Individuals who make more credit purchases annually and demand more rewards may find the Blue Cash Preferred to be the superior of the three cards when the variable APR is considered.
Given that the Amex Blue Cash card has an annual cost upfront, while the Gold Delta card has a $0 annual fee for the first year, this is not a deal-breaker if one sees a general benefit in the variation and more numerous advantages supplied by the Blue card.
Unlike the American Express Green card, the Blue Cash and Gold Delta cards, on the other hand, are excellent family reward credit cards.
While travelers will prefer American Express’s Blue Cash or Green cards, the deciding factor between the two is whether the cardholder is ready to pay back monthly amounts (Green) or adhere to yearly interest rates (Blue Cash) (Blue).
Obtaining an Amex credit card approval
Now that you know how to obtain the simplest American Express card, let us assist you in getting your application accepted.
Even with good credit, if one falls just short of the minimal standards for obtaining a credit card, there are steps one may do to increase their chances of approval the following time around.
To begin, it is advised that one wait a minimum of 60 days between credit card applications, not only to provide time for recoupment, but also since credit reviews consistently lower credit scores by a few points, making it increasingly difficult to obtain cheap APRs or significant sign-up bonuses.
During the gap time, an individual can concentrate on improving their credit score, establishing a credit history, and/or overcoming any impediments to approval by American Express.
It is critical to continue making prudent credit decisions and paying bills on time. Additionally, it is beneficial to contact creditors and/or a credit counselor if maintaining one’s credit is difficult.
Occasionally, a month or two of favorable credit judgments might be all that is required before submitting another application.
Receiving a Credit Card Rejection
One of the primary reasons individuals are rejected an American Express credit card is due to low credit. A credit score, which typically varies between 300 and 850, indicates an individual’s financial responsibility when it comes to debt repayment.
As a general rule, the greater one’s credit score, the better. Credit indicates to a lender how responsible, and therefore competent, a cardholder would be in repaying owing sums, which is why lenders seek the finest credit possible.
Assume you have adequate or even favorable credit and are nevertheless denied a new American Express credit card.
There are further causes for rejection:
• Under the age of 21 or under the age of 18 without parental authorization and/or without a source of income
• Lack of a stable source of income
• Have not worked in a present employment for a sufficient period of time
• Insufficient/no credit history
• An excessive number of queries on a credit report
Additional reasons for denial of an Amex credit card application include an inability to provide critical information (e.g., legal name, Social Security Number), the presence of an off-charge, the possession of a recent record or public record, recent delinquency, having too many credit cards open, or having loan or credit card balances that are too high.
Fortunately, even if an application is declined, the applicant may apply for and be authorized for further American Express cards.