It says I have poor approval odds as my score is between 680-690. I tried applying directly to AMEX website and got approved in 30 secs for 1K limit. I am just building my credit and only owns secured cards. I read thouroughly the terms and conditions on getting the $150 bonus and you have to be aware on conditions that will disqualify you from getting one. Also, you'll get the bonus 6-8 weeks after your first 3 months of approval. Overall, their terms and conditions are fair.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 15 Months
- Balance Transfer Regular APR 15.24% - 26.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 15 Months
- Purchase Regular APR 15.24% - 26.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I applied solely to do a balance transfer. I had "excellent odds" and was approved. I was only approved for a credit line of $1,000 with a 718 credit score. I had to rub my eyes to make sure I was seeing that right. I got approved for 10k on another card a year ago easily but this "balance transfer recommendation" card was a huge let down.
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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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