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If you have a 700 credit score, you are already in a strong financial position compared to most Americans. One of the most common questions people ask at this level is:
“Can I get an American Express (Amex) credit card with a 700 credit score?”
The short answer is yes, in most cases you can. However, approval is not based solely on your credit score. American Express looks at several financial factors before approving an application.
In this guide, we’ll explain exactly how American Express evaluates applications, which Amex cards with a 700 score are real, how to improve your chances of approval, and what to do if you get denied.
Understanding What a 700 Credit Score Means
A credit score of 700 is generally considered good credit in the United States. According to FICO scoring standards:
- 300–579 → Poor
- 580–669 → Fair
- 670–739 → Good
- 740–799 → Very Good
- 800–850 → Excellent
With a 700 score, lenders see you as a medium-risk borrower who has demonstrated responsible credit behavior.
This score range typically qualifies you to:
Competitive interest rates
Rewards credit cards
Travel and cash-back cards
Entry-to mid-level premium cards
American Express frequently approves applicants in this range—particularly for certain cards.
Does Deutsche American Express require excellent credit?
A common belief is that American Express only approves people with excellent credit. This is not true.
While premium cards like the Amex Platinum often require a high score, many American Express cards are designed for good credit, not perfect credit.
In fact, American Express is often more flexible than traditional banks if:
Your income is stable
You manage debt responsibly
You pay your bills on time
A score of 700 puts you in a strong approval zone, depending on the card you choose.
These are the best American Express cards you can get with a 700 credit limit
Not all Amex cards have the same approval requirements. Below are the most realistic options for applicants with a 700 credit score.
American Express Gold Card
The Amex Gold Card is one of the most popular cards in the U.S.
Why it’s achievable with a 700 score:
Charge card (no preset spending limit)
Focuses on income and payment history
Strong rewards for dining and groceries
Key benefits:
High rewards on dining and U.S. supermarkets
Membership rewards points
Travel and purchase protection
Many applicants with scores of 680–720 are approved, especially those with stable incomes
American Express Green Card
The Amex Green Card is often overlooked but very approval-friendly.
Why it’s a good choice:
- Lower annual fee than Gold or Platinum
- Travel and transit rewards
- More flexible approval criteria
This card is ideal if you want to build an Amex relationship before applying for higher-tier cards.
Blue Cash Everyday® Card from American Express
This is one of the easiest Amex cards to get approved for.
Why it works for a 700 score:
- No annual fee
- Cash-back focused
- Designed for everyday spending
If you prefer cash back over travel rewards, this is an excellent starting point.
Blue Cash Preferred® Card
If your income and spending are solid, a 700 score may also qualify you for this card.
Highlights:
- High cash back on groceries and streaming
- Moderate annual fee
- Strong value for families
Approval odds improve if you have low credit utilization.
Amex EveryDay® Credit Card
This card is specifically designed to:
Make Amex history
Earn membership rewards
Moderate credit profiles
It’s a strategic option if your long-term goal is platinum or gold.
Cards That May Be Harder With a 700 Score
While approval is possible, these cards are less predictable at 700:
- American Express Platinum Card
- Delta Reserve Credit Card
- Centurion Card (invite-only)
For these cards, American Express typically prefers:
- Higher income
- Longer credit history
- Lower debt-to-income ratio
That said, some applicants with a 700 score do get approved, especially if other financial factors are strong.
What American Express Looks at Besides Credit Score
Your credit score is important, but American Express evaluates your full financial profile.
1. Income Level
Higher income increases approval odds significantly. Amex wants to see that you can comfortably manage spending.
2. Credit Utilization
Using less than 30% of your available credit is ideal. Below 20% is even better.
3. Payment History
Late payments, collections, or charge-offs in the past 24 months can hurt your chances.
4. Credit History Length
A longer credit history helps. Even with a 700 score, a very short credit file may reduce approval odds.
5. Existing Amex Relationship
If you already have an Amex card or bank account, approvals become easier.
How to Increase Your Chances of Approval with a 700 Credit Score
If you want to increase your chances before you apply, follow these steps.
Pay down your balance
Even a small reduction in your usage can make a big difference.
Avoid new credit applications
Too many hard inquiries can temporarily lower your chances of approval.
Check for pre-approval
American Express offers a pre-qualification tool that doesn’t affect your credit score.
Apply for the right card first
Start with Blue Cash or Green before moving up to Platinum.
Ensure accurate credit reports
Check your reports from Experian, Equifax, and TransUnion for errors.