Earn 60,000 Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership + receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Offer ends 11/6/2024.
Earn 4X Membership Rewards(R) points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 4X Membership Rewards(R) points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. Earn 3X Membership Rewards(R) points per dollar spent on flights booked directly with airlines or on AmexTravel.com. Earn 2X Membership Rewards(R) points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. Earn 1X Membership Rewards(R) point per dollar spent on all other eligible purchases.
Application Pending? Check your status online at AmericanExpress.com/Application-Status or by calling 1-800-567-1083. Sometimes, all they need is a quick verification.
Application Declined? If your Amex application was declined, you can ask for reconsideration within 30 days without a new credit check, or up to 90 days with a new one. When you call, you can ask to move credit from another Amex card or close an old card to get the new one. If they need a tax return, send what you have—it doesn't need to match your stated income. A bank statement might work too.
Approval Rules: American Express follows a maximum of 2 card approvals within 90 days, known as the 2/90 Rule. You can hold up to 5 credit cards, excluding No Preset Spending Limit cards, with a limit of 10 such cards. Additionally, you are allowed one Platinum variant every 90 days.
When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.
