American Express Optima Login (2024)

FAQs

What is the credit limit on the American Express Optima card? ›

American Express Optima® Credit Card* vs.

Depending on your financial situation, you could qualify for a credit limit of up to $30,000. With that in mind, the card does charge a monthly fee of $2.99, which amounts to $35.88 annually and doesn't offer rewards.

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

There can be many reasons why your American Express credit card application was denied. Most commonly, applications get denied because of a low credit score, insufficient income, or too much debt.

In most cases, you need at least good credit to get approved for an American Express card, which FICO typically defines as a score of 670 or higher. Other banks also issue American Express cards.

The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get approved for because they only require good credit. While the best American Express credit cards aren't that easy to obtain, there are several credit cards from other...

There is no way to know how high American Express credit limits are as Amex doesn't disclose this information in their cards' terms and conditions. Your credit limit will depend on your credit history, debt level, income, and payment history on other American Express cards.

Cards such as the Amex EveryDay® Preferred Credit Card from American Express and Blue Cash Preferred® Card from American Express usually recommend a 670+ score. However, there is anecdotal evidence of scores in the lower 600s being approved.

Centurion from American Express

It may well be for those who capitalize on its full spectrum of services. Pros: Exclusivity: The Centurion, or 'Black Card,' is not just a payment tool but an emblem of affluence.

American Express does not offer any credit cards for bad credit (a credit score below 640). All American Express credit cards require good-to-excellent credit for approval, which means a credit score of at least 700.

American Express may have lowered your credit limit due to late payments, inactivity on your card, or a change in your credit history. American Express will periodically review how you're managing your current limit and may lower it if they don't think you can afford the full thing.

Does Amex do a hard pull if denied? ›

Yes, American Express does a hard inquiry on your credit report when you apply for a card, but it only takes place after you are approved for the card and choose to accept the offer. If your application is denied or you are approved but choose not to accept the card, there will only be a soft inquiry.

If your Card application was declined, we realize this may not have been the outcome you had hoped for. Please call us at 1-800-567-1083 if you'd like us to review our decision. Keep in mind that we cannot guarantee we will change our decision.

American Express credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a American Express credit card.

Yes, American Express reports authorized users to all three of the major credit bureaus (Equifax, Experian and TransUnion). Authorized users are only reported if they are at least 18 years old and if the account in question is not delinquent.

American Express may automatically increase your credit limit as often as every six to 12 months. However, just because you haven't received an automatic increase doesn't mean you're not eligible. You should reach out to American Express to see if you qualify.

A Charge Card has no pre-set spending limit* and no interest fees. Unlike with a Credit Card, you must pay off the full balance of a Charge Card each month. No pre-set spending limit doesn't mean unlimited spending.

Yeah, it's definitely still around as a "second chance" to get back in with Amex... My wife currently has an offer we're considering for an Optima card if she pays off the balance on her charged off Amex.

The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.

As we mentioned, there's no spending limit on this card, and you get one point for every dollar you spent. So if you spent $500,000 on the card, you get 500,000 points. That's enough to fly roundtrip from North America to Europe or Asia in first or business class several times.