If you live in the United States and are looking for a reliable, free, and reward-packed credit card, American Express (Amex) is a top choice. In this article( American Express Credit Card Guide USA: Eligibility, Limit, Benefits, Price & Application Process), we’ll cover everything step-by-step—eligibility, limits, benefits, drawbacks, and comparison with Visa/Mastercard. Each section of this article covers the key points users should know before purchasing a credit card.
American Express Student Credit Card
If you’re a student, the American Express direct credit card is a good option, but it offers limited options. If you’re working a part-time job, you can apply for entry-level cards like the Amex Blue Cash Everyday® Card. This card has no annual fee, making it ideal for students, and offers cashback at U.S. supermarkets, gas stations, and online retail. This gives you a premium feel.
American Express Credit Card Eligibility
Eligibility criteria depend on certain basic factors set by the United States government.
- Minimum age: 18 years
- Credit score: Good to excellent (typically 670+)
- Income proof: Stable income required (part-time or full-time)
- Residency: U.S. Must be a US resident (only for US persons)
- SSN (Social Security Number): Mandatory for application
American Express Credit Card Price
| Card Name | Annual Fee (USD) | Key Highlights | |
|---|---|---|---|
| ———————————————— | —————— | —————————————————– | |
| Blue Cash Everyday® Card | $0 | No annual fee, 3% cashback on U.S. supermarkets | |
| Amex EveryDay® Credit Card | $0 | No fee, Membership Rewards® points | |
| Blue Cash Preferred® Card | $95 | 6% cashback on groceries and streaming | |
| American Express® Gold Card | $325 | 4X points on dining and groceries | |
| The Platinum Card® from American Express | $695 | Lounge access, travel credits, luxury perks | |
| Amex Green Card | $150 | 3X points on travel and transit | |
| Delta SkyMiles® Gold American Express Card | $0 intro, then $150 | Airline miles, priority boarding | |
| Hilton Honors American Express Surpass® Card | $150 | Hotel rewards, Gold status with Hilton | |
| Marriott Bonvoy Brilliant® Amex Card | $650 | Elite hotel benefits, free night award |
American Express Credit Card Limit
Credit card limits fluctuate and depend primarily on your income, credit score, and repayment history. Entry-level cards like Amex Blue Cash Everyday have limits starting at $1,000, while premium cards like gold and platinum have limits starting at $10,000. And you can check the time limit when you purchase the card.
Apply For An American Express Credit Card
for apply, you need to visit the official American Express website: (A link to the official website is provided below, below the fraudulent website.)
- Visit: americanexpress.com/us/credit-cards
- Choose your card (Amex Everyday card is best for students).
- Fill out the application form (basic details).
- Submit income, SSN, and address details.
- Instant approval or pre-approval offers available.
American Express Credit Card Benefits
Some standout benefits of Amex cards:
- Membership Rewards® Points: Redeemable on flights, hotels, and dining.
- Cashback: Up to 3% cashback on everyday spending.
- Purchase Protection: In case of theft or damage. Coverage
- Travel Perks: Lounge access, travel insurance, hotel upgrades
- No foreign transaction fees (select cards like Mastercard and Visa)
Why is American Express So Popular
Amex’s popularity has several key reasons, depending on its card benefits and the number of customization options it offers:
- Premium customer service
- Exclusive rewards and offers
- Global acceptance in the luxury and travel sectors
- Strong brand trust and security
- Business and corporate card options
Note: This brand targets high-spending customers who live a luxurious lifestyle. This card is ideal for those who enjoy shopping.
What is the Minimum Income for American Express Credit Card
| **Card** | **Min Income (USD)** | **Credit Score** | |
|---|---|---|---|
| ————————– | ———————- | —————— | |
| Amex EveryDay® | $20,000+ | 670+ | |
| Blue Cash Everyday® | $25,000+ | 670+ | |
| Amex Gold® | $60,000+ | 700+ | |
| Amex Platinum® | $100,000+ | 720+ |
What is the Difference Between Mastercard and American Express
| Feature | **Mastercard** | **American Express (Amex)** | |
|---|---|---|---|
| ————————– | ——————————————————————————– | —————————————————————————— | |
| **Founded** | 1966 | 1850 | |
| **Global Acceptance** | Accepted in over 210 countries; widely used at small and large merchants | Accepted in over 160 countries; limited at smaller stores | |
| **Issuer Type** | Acts as a payment network; banks issue the cards | Acts as both issuer and payment network | |
| **Rewards Program** | Depends on issuing bank; includes cashback, travel, and Priceless® experiences | Directly managed by Amex; Membership Rewards®, exclusive events | |
| **Annual Fees** | Varies by bank and card tier; many no-fee options | Generally higher, especially for premium cards like Platinum | |
| **Customer Service** | Quality depends on issuing bank | Known for exceptional 24/7 support and concierge services | |
| **Purchase Protection** | Varies by bank and card type | Strong coverage including extended warranty and return protection | |
| **Credit Score Needed** | Available for all credit levels | Requires good to excellent credit (670+) | |
| **Luxury Perks** | Limited to premium cards | Extensive travel perks, lounge access, hotel upgrades | |
| **Business Cards** | Offered via banks | Directly offered with premium business support |
Which One is Better Visa or Amex
Visa and Amex both are powerful networks. If you need global acceptance and low fees, Visa is better because Visa allows for international use, while Amex has some limitations. However, if you want premium rewards, travel perks, and elite service, Amex is the winner. But if you use it for international use, Visa is the winner.
What is the Most Powerful American Bank Credit Card?
Most powerful Amex card hai:
- The Platinum Card® from American Express
- $695 annual fee
- 5X points on flights
- Access to 1,400+ airport lounges
- $200 hotel credit
- $200 airline fee credit
- Concierge service
This is best for high-net-worth individuals.
What is the Disadvantages of Having an American Express Card ?
It also has some disadvantages which you would do well to know before purchasing the card.
- High annual fees on premium cards
- Strict eligibility criteria
- No co-branded cards with every retailer
- Foreign transaction fees on some cards
What Happens If You Do Not Use Your American Express Card ?
If you don’t use your card:
- Account may become inactive
- Rewards may expire (depending on the card)
- Credit score impact may occur due to inactivity
- Annual fee will still apply (if applicable)
Best practice: You should use your card once per week to avoid impacting your account and credit score
American Express Customer Service Telephone Number
The Amex customer service number in the U.S. is:
📞 1-800-223-2670
You can call 24/7 for billing, fraud, rewards, and card issues.