- Easiest Amex To Get Approved For 2020
- American Express Launches New Cash Flow Management Hub, Expanding Its Powerful Backing For Small Businesses
- Amex ‘apply With Confidence’ Feature: Know If You’ll Be Approved Before You Apply
Easiest Amex To Get Approved For 2020 – In the interest of full disclosure, OMAAT earns a referral bonus for anyone who is approved through some of the links below. The information and related card details on this page for the Aspire Hilton Honors American Express Card, American Express® Green Card, and Amex EveryDay® Preferred Credit Card were independently collected by OMAAT and have not been reviewed or issued by the card issuer. These are the best public offers (conditions apply) we found for each product or service. The views expressed here are solely those of the author, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/ service provider, and has not been reviewed, endorsed or approved by any of these organizations. Please see our advertising policy for more information about our partners, and thank you for your support!
There are many aspects to maximizing your credit card rewards, including taking advantage of the best welcome bonuses, spending categories, and card benefits.
Easiest Amex To Get Approved For 2020
Sometimes I think it’s interesting to break down credit card strategies with a card reporter, so in this post I wanted to share my current American Express card strategy. In separate posts I wrote about my Capital One card strategy, Chase card strategy, and Citi card strategy.
Minimum Requirements For American Express Credit Cards 
For those in the points world, American Express is best known for its cards that earn Membership Rewards points, which is one of the main transferable points currencies. In addition, Amex issues co-branded credit cards for Delta, Hilton and Marriott.
Here’s a rundown of what you need to know to get approved for an Amex card, a rundown of my strategy, and then which Amex cards I’m most interested in applying for.
All card issuers have certain application restrictions to get approved for cards. Let’s take a look at what these restrictions are for American Express, because they can affect your chances of approval, and they can also dictate the best strategy for applying for cards.
In general, American Express limits you to a maximum of five credit cards. This limit also only applies to credit cards, and not hybrid cards. It doesn’t matter how many of these five cards are personal or business, it’s just about whether they are credit cards.
Easiest Credit Cards To Get (oct. 2023)
You generally cannot be approved for more than two Amex credit cards in any 90-day period. Hybrid cards are excluded from this limit.
American Express welcome bonuses are all “once in a lifetime”, meaning you can’t earn the bonus on a given card more than once. However, “lifetime” does not necessarily mean your life or the life of Amex. In some cases people report that there is a limit on reinstatement after you have had a card for seven years, although that is not a published policy.
While I wouldn’t consider this a “rule”, it’s worth understanding the Amex pop-up warning. Even if you don’t have a specific card before, it is possible that you will receive a message during the application process telling you that you are not eligible for a bonus on a card.
Amex has some sort of algorithm that decides people shouldn’t qualify for bonuses based on certain factors, so that’s part of that. There doesn’t seem to be a consistent rhyme or reason as to what triggers it, but it’s definitely something to be aware of.
American Express Launches New Cash Flow Management Hub, Expanding Its Powerful Backing For Small Businesses
The information and related card details on this page for the Aspire Hilton Honors American Express Card, American Express Green Card, and Amex EveryDay Preferred Credit Card were independently collected by OMAAT and have not been reviewed or verified. issued by the card issuer.
As is the case with all cardholders, I have different cards for different reasons. Regarding the Amex cards I have:
I have several American Express cards primarily for the benefits they offer, even though I don’t spend a lot of money on the cards. Let’s start with hotel credit cards.
I have both the $125 annual fee (Rates & Fees) Marriott Bonvoy Business® American Express® Card and the $650 annual fee (Rates & Fees) Marriott Bonvoy Brilliant® American Express® Card, although I don’t spend many of them:
Amex ‘apply With Confidence’ Feature: Know If You’ll Be Approved Before You Apply
I also have the $450 annual fee Hilton Honors American Express Aspire Card (Rates & Fees), and I find it one of the easiest to justify cards out there. The card has amazing benefits, including Hilton Honors Diamond status while a card member, an annual free night award, a $250 annual airline tax credit, and a $250 Hilton resort credit each year.
The information and card details related to this page for the Aspire Hilton Honors American Express Card have been independently collected by OMAAT and have not been reviewed or provided by the card issuer.
The Platinum Card® from American Express has an annual fee of $695 (Rates & Fees), and I specifically justify this card based on all the benefits it offers. Among other things, the card offers extensive airport lounge access, up to $200 in annual airline tax credits, up to $200 in annual Uber credits, up to $200 in hotel credits annual, up to $189 in annual CLEAR Plus credits, and up to $100 in annual Saks credits. (Registration is required for selected benefits)
I put most of my air spending on this card, as it offers 5x points on flights booked directly with airlines (up to $500K per year, then 1x points ). I value Membership Rewards points at 1.7 cents each, so that’s like an 8.5% return on airfare, which is great.
American Express Product Change Rules
For me, the Blue Business® Plus Credit Card from American Express is the single most rewarding American Express card to spend. The card has no annual fee (Rates & Fees), and offers 2x Membership Rewards points on the first $50,000 spent each calendar year (and then 1x points). That makes it one of the best cards for everyday use.
The Amex EveryDay® Preferred Credit Card from American Express has a $95 annual fee, and it’s a card I’ve had for several years. The card offers the following return on spend:
However, with bonus categories on other credit cards greatly improved, this card is not as good as it used to be, in my opinion. I’m still deciding what to do with this card long term.
The information and card details related to this page for the Amex EveryDay Preferred Credit Card have been independently collected by OMAAT and have not been reviewed or provided by the card issuer.
Does It Make Sense To Have Both The Amex Platinum And The Amex Biz Platinum?
As you can tell, there are a few Amex cards that I don’t have for the rewards and I don’t have for the spending bonuses, and frankly I’m trying to figure out what to do.
The American Express® Green Card is one of those cards – it’s such a unique card, I’m not sure exactly how it fits in my card portfolio. It has an annual fee of $150 (Rates & Fees), and offers 3x points on dining and travel, up to $189 annual CLEAR Plus credit, and up to $100 annual LoungeBuddy credit. (Registration is required for selected benefits)
So, why don’t I use it more to wear it? Well, the spending bonus categories are very similar to the Chase Sapphire Reserve® Card ( review ), so I put most of that spending on my Chase card.
I have yet to cancel this card, however, as the Amex Offers program alone tends to more than justify the annual fee on this card for me. Even though this is one of the best cards for earning Amex points, it just doesn’t add much to my overall portfolio.
Best Business Credit Cards To Build Business Credit
The information and card details related to this page for the American Express Green Card were independently collected by OMAAT and have not been reviewed or provided by the card issuer.
That leaves two more cards – The Business Platinum Card® from American Express, which has a $695 annual fee (Rates & Fees), and the American Express® Business Gold Card, which has a $295 ($375 if applied for or after 2). /1/24) annual fee (Rates & Fees). I picked up both of these cards last year with welcome offers.
Overall I am very happy with my current Amex card portfolio, especially with my overall card strategy. I have some cards that help me maximize Amex points, and other cards help me maximize rewards.
I recognize that I can’t get any more Amex credit cards right now (since I’m at the minimum), although I could get hybrid cards. The card that tempts me the most is the American Express® Gold Card ( review ), which I consider one of the most valuable cards out there. The card has an annual fee of $250 (Rates & Fees), and offers the following, plus a welcome offer:
The Simple Tactic To Getting More Amex Offers
I can’t help but feel that this should be part of an overall card strategy shift for me, and that I should:
There’s no one right or wrong way to maximize credit card rewards, and it can get even more complicated if you’re sharing cards between different issuers. I’m pretty happy with my current Amex card strategy, although there are some cards I’m on the fence about.
The information and
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