Amex Application Status + Tips on Reconsideration Phone Line (American Express Credit Cards)

American Express Credit Card Application Status



After you apply for an American Express credit card online, you may not get instantly approved. Don’t panic! That doesn’t mean you were denied.  You can easily check the status of your application at any time online.



  1. Check online using the American Express Card Application Status website
  2. Speak with a representative: Call 800-567-1083 or 866-314-0237 (M-F 6-8pm MST) and say “application status” when prompted.



The fastest and easiest way to check your status is using the American Express Card Application Status website. Often times, I find that Amex does not instantly approve new credit card apps.  For whatever odd reason, they wait 1 minute before approving, so after each Amex credit card appl I immediately load the American Express Card Application Status website and am always pleasantly surprised that it shows APPROVED!

Enter your social security number and the zip code you entered on your credit card application. Select “CHECK APPLICATION”:

American Express Credit Card Application Status Amex

Here is an example of the results:

American Express Credit Card Application Status - Amex Application Status Results


CALLING AMERICAN EXPRESS – Reconsideration Phone Line / Number

If the American Express application status does not show “Approved”, the next step is to speak with a rep.  The phone numbers provided below have been typically called the Amex Reconsideration Phone Number, but realistically you can call even if your application has not been rejected yet and is merely pending.

If your Amex application status is denied or pending, you can call 800-567-1083 or 866-314-0237 to speak with a live credit analyst.  Credit analysts have the power approve you over the phone – so be nice!  

I have also found the credit analysts to be the most lenient at Amex vs. the other big banks.  Amex might still be hurting from their recent loss of Costco and will go the extra step to acquire new customers (just my theory).


What to Say to the Amex Credit Analysts

Remember – the Amex credit analysts have the power to approve you over the phone, so you want to be as accommodating as possible.  I have found conversations with Amex and Chase credit analysts to be VERY similar, so rather than rehashing what’s already been posted, please see the tips on what to say to Chase credit analysts.

The only part that diverges is my recommendation on small business credit cards – Chase has been really strict on approving business credit card applications but American Express is still equally as lenient with business apps as with personal apps.

In the rare event the credit analyst does not budge on approval, politely hang up and call again to get a different credit analyst.  Often times, the decision is a judgment call and you want to catch the right rep at the right mood.  If still no dice after 3 different credit analysts, ask to speak to a supervisor and plead your case.  Again, it is YMMV, but this is where you really need to sell yourself.  If its a few missed payments on your credit report that’s holding you back, surely there is a plausible story of why that happened where he/she can sympathize, right?


Max Number of Amex Cards

Keep in mind that the maximum number of American Express credit cards is FOUR (4).  If you already have four (4) active Amex credit cards, you will NOT get approved for a 5th.  This limitation only applies for credit cards (personal and business cards combined) and NOT charge cards.  I learned the hard way about this rule, but don’t worry, hope is not lost.

Call up Amex to cancel one of your credit cards.  Then call back the reconsideration phone number and ask the representative to reconsider / reprocess the application.  The application goes from DENIED back into IN PROGRESS stage without an additional hard pull.  If you have reached this point, the underwriting team is the unit that reviews the application, and unfortunately, they are not customer-facing, which means you will just have to hang tight for a couple of weeks.


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  1. I applied Everyday Preferred and got instant approval but then the next day on Sunday I applied the business Platinum card and it was pending and want me to give them a call. I guess is because of Sunday, so I check online from your link and the result showed ” in progress.”

    So I patiently waited till Monday received an email says : ” We are excited that you’ve decided to apply for the Business Platinum Card®, and we’re reviewing your application now. We promise to let you know when we’re finished, or if we need more information. While we’re reviewing your application, please don’t apply for another Business Platinum Card®. Thank you for your interest in American Express.” After another day my card was approved without even need to call them back!

  2. Hi , I really need your help an advice , I recently applied for the SPG Personal an business together, (along with the blue cash preferred).
    (I had 3 other existing Amex credit cards at time of applying.)
    I was instantly approved for the SPG personal, the business was pending . Few days later I got an email that I was declined “our records indicate that you have the max amount of accounts an types of cards that we allow”.
    (The SPG personal was really my 4’th card)
    I tried to contact them an offer to close , they said that first I need to close an existing , then they WILL have to pull my credit an see if they can approve me , they said that for this particular application there was still no hard pull done, when I said that they pulled it already for the personal which I did together with the business they said that it was done for the personal an not for that particular application .
    Bottom line , I can close 1 existing account , but not guaranteed that they will even approve me for the new one , plus they will make an additional hard pull on my Experian report , what can I do for this ??
    Thanks in advance .

    • That’s correct. I made the same mistake before and had to close one first then call back recon and it went in pending for about a week before they approved me for the new app. Unfortunately if you are trying to dodge a hard pull for the biz app, I can’t opine on that.

  3. Applied for Gold Delta Skymiles Amex Personal and Business today. Personal was instantly approved. Business card went to “In Progress” status. I called the recon line for application status. I told the guy on the phone that I had applied for both at the same time to start a relationship with Amex (first Amex cards for me), and I explained my personal was instantly approved but the Business was still in progress and that I was calling to check if they needed some additional information or verification. He explained to me that it was automatic to stop the second application for fraud prevention. I asked if there was anything I could do to verify it was actually me, and he said “of course, we appreciate you taking the time to call in.” After verifying the details of my application, he not only approved my second application but told me that he was overnighting my new card so that I could use it right away. I suggest calling in right after doing the second app in the same day because it has hopefully saved me a second hard pull.

  4. I applied recently for Amex and my application was not approved. Credit scores of 688/667/690 and needless to say I am not pleased. Followed up with customers service for reconsideration and the review remained the same. Second and last time that I will apply for an Amex.

    • Same thing happened to me and so done with them as well. Went to Chase and was approved instantly without any drama and conflama. I say check with another issuer.

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