How to Apply for an American Express Credit Card (USA)
Visit AmericanExpress.com
Browse & Select a Card: Choose from personal or business cards, travel, cashback, or rewards cards.
Click “Apply Now”
Fill in Details:
Full Name
Date of Birth
Social Security Number (SSN) or ITIN
Address and contact details
Total annual income & housing costs
Submit Application: Most applicants receive an instant decision.
✅ Eligibility Criteria
Age: 18 years or older
Residency: U.S. citizen or legal resident
Credit Score: Recommended 670+ (some cards may accept fair credit ~600)
Income: Must have a verifiable source of income (no specific limit publicly stated)
📄 Required Documents
When applying, you’ll need:
SSN or ITIN
U.S. mailing address
Income details (annual salary, employer info)
Optional: Bank account or routing number (if applying with low/no credit for secured cards)
💳 Key Benefits of American Express Credit Cards
Reward Points or Cash Back
Welcome Bonus: Points/cash after meeting spend requirement
Travel Perks: Lounge access, hotel upgrades, no foreign transaction fees (select cards)
Purchase Protection: Extended warranties, return protection, and fraud alerts
Amex Offers: Extra discounts on shopping, dining, travel
Customer Service: 24/7 concierge and support
❓ FAQs – American Express Credit Card USA
Q1. How can I apply for an American Express credit card in the USA?
A1. Visit the official American Express website, choose your preferred card, and complete the online application form.
Q2. What is the minimum credit score required for an Amex card?
A2. A good credit score (typically 670 or above) is recommended, though some cards may accept applicants with fair credit.
Q3. What documents do I need to apply for an American Express credit card?
A3. You’ll need:
Social Security Number (SSN) or ITIN
A valid U.S. mailing address
Income and employment details
Q4. Can non-U.S. citizens apply for an Amex card in the USA?
A4. Yes, legal residents with a valid SSN or ITIN and a U.S. address can apply.
Q5. What are the benefits of American Express credit cards in the USA?
A5. Benefits include:
Cashback or Membership Rewards points
Travel perks and lounge access (select cards)
Purchase protection and extended warranties
Access to Amex Offers for exclusive savings
24/7 customer service and fraud protection