Overall card rating

4.1
23 Reviews
from Intuit Credit Karma members

Most helpful positive review

Mar 15, 2022
Credit karma says I wouldn’t get approved but I di
Credit Karma Member

I have a cs of 635 & got $2k cl I’m so happy b/c all I could get was secured cards. Having a growing business using my cash was aggravating. Try to get it if you have all your biz info tight. Phone,address etc. i think that’s what helped me get approved.

Helpful12
Not Helpful4
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Most helpful negative review

Mar 15, 2022
Unfair
Credit Karma Member

So I filed for this card and it's unfortunate that my approval odds it's excellent and I will be denied because Not wanting to combine my business and my personal banking information.. Your banking information for your business needs to be at least minimum 3 months old. If it's you trying to get this card make sure your business is functioning for more than 3 months through a bank' What a waste of my time.

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Member ratings

Application process
Customer service

All member reviews (23)

13
3
0
1
6

Sep 12, 2023
Applied and was approved
Credit Karma Member

Was approved pretty much instantly with a $35,000.00 limit. Had a excellent rating on chance of acceptance. Credit Karma score of 803 which is wrong. Actual credit score is always several points higher than Credit Karma states it is. But either way I was approved and surprised by the $35000.00 limit.

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Jul 11, 2023
Waste if time
Credit Karma Member

Tried applying 3 times and kept getting booted off the company site. My info deletes every time. Don't have time for this. Onto the next!

Helpful3
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Jan 11, 2023
Forget it
Credit Karma Member

I don't recommend Amex to anyone. Endless confirm this, confirm that, texts, emails, more confirming. Added my wife as an authorized user...just when they text and email both saying she's all set up, give it a week or so...please confirm your wife blah blah. I got a 1k limit with a 680+ fico. Chase gave me 16K.

Helpful8
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Aug 06, 2022
This makes my 10th AMEX CARD!!
Credit Karma Member

Already had 9 AMEX cards and loved them all so decided to add one more to the list!! AMEX BEST CC THERE IS AND BEST CUSTOMER SERVICE

Helpful5
Not Helpful1
Comment1
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Mar 15, 2022
Unfair
Credit Karma Member

So I filed for this card and it's unfortunate that my approval odds it's excellent and I will be denied because Not wanting to combine my business and my personal banking information.. Your banking information for your business needs to be at least minimum 3 months old. If it's you trying to get this card make sure your business is functioning for more than 3 months through a bank' What a waste of my time.

Helpful25
Not Helpful8
Comment3
Flag

Mar 15, 2022
Credit karma says I wouldn’t get approved but I di
Credit Karma Member

I have a cs of 635 & got $2k cl I’m so happy b/c all I could get was secured cards. Having a growing business using my cash was aggravating. Try to get it if you have all your biz info tight. Phone,address etc. i think that’s what helped me get approved.

Helpful12
Not Helpful4
Comment0
Flag

Jun 15, 2021
Almost Perfect
Credit Karma Member

This card is close to perfect for what I wanted to get out of it which is a catch all card to use on purchases that don't fit into the Platinum and Gold Card bonus categories, no annual fee, and a card that shares rewards points. The only "downside" to this card is if you spend over $50,000 on it than you will only get 1x back on all purchase after that amount is reached. Make this unlimited 2x back and it's a easy 5 star card in my opinion.

Helpful23
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Feb 23, 2021
Good credit limit and good customer service.
Credit Karma Member

I have 4 cards, Chase, Visa, Captial One, and this Amex card. Of the 4, American Express gave me the highest credit limit by far, almost double my next highest card which is nice if you are someone that likes to be able to actually use a card and keep your card use under 10% to keep your credit score healthy. I use all my cards but when I am making an online purchase with a new or unfamilure vendor or company, or a site where there is a chance to get ripped off etc, I always go to my American Express card because I know if there is any problem with the purchase Amex will quickly help me fix the issue. They have been very good at helping me to stop payments to a company that was charging me recurring payments that could not be canceled any other way, it is also easy to file a claim and get your money back if you get charged for something you did not get delivered and the seller refuses to give a refund or replacement. Any payments that have the potential to have some kind of issue like that I go to my American express card because I know they will have my back.

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Nov 25, 2020
EZ Apply Process
Credit Karma Member

I had gotten an offer from AMEX in the mail a week back and decided to give it a shot. My scores are above 735+ through my banks, CK & experian. I tried to apply through safari first but wouldn’t let me get past “look at terms” option so I decided to call. Talk to one lady get took all of my info and processed the app within 5 mins seem like. She couldn’t get approval right away so she connected me with another guy in the making decisions department I guess. He took some more information to just verify public records and after a quiet 45 seconds, I got an email saying I was approved before the guy could tell me. If I could give any advice it would be make all of your payments on time or even a couple days before your payment date. You’ll see it rise, just be patient. In 2016-2017 my credit was hovering around 500.

Helpful30
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Feb 17, 2020
Great First Business Card
Credit Karma Member

Can't beat it for a starter business card! Amex definitely makes it easy!

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1-10 of 23

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