Owner

Applied, got credit dinged with hard inquiry, asked to enter a second card holder which was not needed. Then the app crashed and went to home screen. Don't know any results. Credit karma always luring us with tricks claiming super excellent approval odds and all you get is a double wammy 6 point score drop while credit Karma got paid to screw its members.

Please do not go by credit karma recommendation. I have a poor chance with a 760 score. I applied and was approved. There was only one little problem i had . I had a freeze on my Experian credit report. They ran my transunion when i applied. Then once my freeze was off experian, I called them and they ran both credit reports instead of one. I called and explain to customer service and the put in a request to have that pull removed. The card has not given me any problem as of yet. This is my second Amex card.

I applied multiple times and got denied. I don’t really understand, I’ve read comments saying they got approved with a TU: 670 and FICO: 640 However my TU: is 711 and FICO:694, I don’t see how I didn’t get approved? I may just call the hotline and see what is up

I had a 700+ score and thought I could have a bit more wiggle room with another card. I applied and was instantly approved and prompted to sign papers before even knowing my approved limit. Looking through the reviews they probably have an automated process and dole out $1k to everybody and anybody coming from Credit Karma. Probably just shouldn't apply through Credit Karma if you need any real credit. They'll just assume you're rebuilding your credit and give you the lowest limit and highest interest rate after the intro period.

Great card

Love this card. Got approved for a 10k CL. Have been using it for grocery shopping only. Love the cash back rewards at 3%. Had a 776 TU, 772 EXP.

I really like this card. I like the website. It is easy to navigate and very straightforward and intuitive. The customer service is very responsive and you can access them via chat which is my favorite mode of communicating with customer service. The only (small) downside is that the data in QFX file that American Express shares uses the "transaction" date rather than the "posted" date when the industry standard is to use the "posted" date. This totally confuses my budget app if I try to do a QFX import.

Don’t listen to the approval odds they’re highly inaccurate, my odds were poor per credit karmas rec, had I listened and not tried I wouldnt have the card. I was worried I wouldnt get accepted but if you have a clean credit history (no bankruptcies or delinquencies) you will get accepted even if you’re a beginner with only 2 credit cards like me. I’m glad I tried! I wish I read the reviews in depth so this ones for the people that are worried they won’t be accepted.

I have had nothing but good come from this card. It has help to rebuild my credit and offered me a business card as I start my journey to become a successful business owner. Thank a million AMEX!!