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Q: I'm interested in getting American Express's Blue Cash card, but I don't think my credit score is good enough. What score is required to get approved? Also, if I get approved, what is my credit limit?
A: The Blue Cash credit card is one of the cards offered by American Express that is considered as having a “preset” limit. According to some sources, this limit is based on what it perceives as your normal monthly spending amount, and if a credit history is run, this is the figure that the company requesting the credit report will see.
However, this does not necessarily mean that that’s all you can spend. If you have made on-time payments and you are using the card wisely, it’s possible you can spend more than what you have spent the last month or in previous months. American Express will notify you by telephone and in writing if the company feels that you need to “put the brakes on”. You’ll be asked to make a payment before charging anything else.
Now, with that being said, the answer to the question posed in the title, according to the American Express home page for the Blue Cash card, is “excellent”. When you start researching information on the Blue Cash card, the website will least the features as well as pertinent information such as APR and other information, and this will include what your credit rating must be.
A credit score of “excellent” is one that is usually between 750 and 800. If you have this score, you will most likely be approved for an American Express Blue Cash card, although a “good to excellent” credit score of between 720 and 750 may be sufficient to get you approved.
It's important to know what your credit score is before applying for a credit card or a loan. We recommend checking your score with Credit Sesame, because they offer a truly free credit score with no hidden fees.