Which Credit Score Do Mortgage Lenders Actually Use?
Understanding Mortgage Credit Scores: What You Need to Know
Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 6 months of Card Membership.
2X miles for every dollar spent on eligible purchases made directly with Delta
2X miles at U.S. supermarkets
2X miles at restaurants
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
2X miles on every eligible dollar spent on purchases made directly with Delta
2X miles on every eligible dollar spent on purchases at U.S. shipping providers
Earn 70,000 Membership Rewards® Points after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership
3X Membership Rewards® points on flights booked on amextravel.com using your Business Gold Card.
4X Membership Rewards® points on the 2 categories where your business spends the most in each billing cycle: Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.. Only the top 2 categories from this list each billing cycle will count towards the $150,000 cap.
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
1.5X miles on U.S. shipping and on every dollar spent on office supply store purchases
3X miles on every dollar spent on eligible purchases made directly with Delta
Earn 3 Free Night Awards after you spend $6,000 on eligible purchases in the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy points at hotels participating in Marriott Bonvoy®. Resort fees apply.
4X points per dollar on eligible purchases on U.S. purchases for shipping
4X points per dollar on eligible purchases on wireless phone services purchased directly from U.S. service providers
6X points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy® program
4X points per dollar on eligible purchases at U.S. gas stations
4X points per dollar on eligible purchases at restaurants worldwide
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
1.5X miles on every dollar spent on U.S. shipping
3X miles on every dollar spent on eligible purchases made directly with Delta
Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 on eligible purchases with your Card in the first 6 months of Card Membership. Offer expires 1/8/25.
6X points per dollar on U.S. purchases for shipping
6X points per dollar on wireless telephone services purchases directly from U.S. service providers
12X points per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
6X points per dollar on purchases at U.S. gas stations
6X points per dollar on purchases at U.S. restaurants
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open. Plus, 25,000 bonus points after you spend $20,000 on purchases in the first 12 months. That's enough to fly to another continent.
3X points for each dollar spent on dining at restaurants including takeout and eligible delivery services
3X points for each dollar spent at grocery stores
3X points for each dollar spent with Air Canada directly
Receive preferential treatment to ease your way through the airport with priority check-in, security screening, boarding, and baggage handling privileges (where available).
With Preferred Seating, you will have access to premium seats for select cultural and sporting events, based on availability. For more information, please visit americanexpress.com/entertainment.
Transfer ThankYou Points to participating airline loyalty programs including TrueBlue, Virgin Atlantic Flying Club and Singapore Airlines KrisFlyer, to get flights faster. There is no fee, and the minimum transfer is only 1,000 points.
Earn 10x total points on Peloton equipment and accessory purchases over $150 with a max earn of 50,000 total points now through March 31, 2025.
Earn 5x total points on Peloton equipment and accessory purchases over $150 with a max earn of 25,000 total points now through Mar. 31, 2025.
Redeem points for a statement credit to cover travel purchases made with your Card, such as hotels, car rentals, ride-shares, flights, and more. There is no limit to the amount of points you can redeem through June 30, 2024. Each point is worth 1.25 cents which means you can get a $1,250 statement credit for 100,000 points redeemed.
New cardmembers will automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following calendar year.*Opens offer details overlay Enjoy benefits such as Priority Airport Services and upgrades to premium cabins on Air Canada operated flights. Keep your Aeroplan 25K Status with $15,000 in account spend during a calendar year.
Hilton Honors American Express Surpass® Card Members can enjoy complimentary National Car Rental® Emerald Club Executive® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card.
Understanding Mortgage Credit Scores: What You Need to Know
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Let's say your scores are:
They'll use 725 (the middle score, not the highest or lowest)
MyFICO
Experian
Extra Credit
Remember: Regular credit scores you see elsewhere often aren't the same as what mortgage lenders use. These older FICO models are specifically for mortgages.
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