Updated on July 9, 2019
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. Here's how you do it and the steps you can take to turn your “pending” or even possibly a rejection into an approval. This is what I saw for a recent American Express card application.
Check Your Amex Credit Card Application Status
There are two easy ways to check your American Express Application status. I suggest checking online first and you'll notice it is super easy and you find out the results in a few seconds. The second way is by calling American Express. Both methods are explained in detail below.
How to check your American Express Application Status ONLINE:
The fastest and easiest way to check your application status online. Follow these steps:
- Go to American Express Card Application Status website.
- Enter your social security number and the zip code you entered on your credit card application.
- Click “CHECK APPLICATION”.
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 application, I immediately load the American Express Card Application Status website and am always pleasantly surprised that it shows APPROVED!
Here is an example of the results:
Status of Application Explained
Approved: Nice! Check the next step on the right side to find out when your card is arriving.
In Progress: You may have an option on the Next Step to click a button a provide more information they need. I recently had this happen where they needed to know the business structure (Incorporated, Partnership, or Sole Proprietor). After I submitted this additional information the status notes changed to “Please check back on this site in 24 hours”.
Cancelled: If you don't know why the status says cancelled you should call the Amex reconsideration line below to find out what happened.
How to check your American Express Application Status by PHONE:
- Call 800-567-1083 or 866-314-0237 (M-F 6-8pm MST).
- The system will ask “are you calling to apply for a new card or check the status of your application”. Say “Yes”.
- Next, say “status” to get the right team.
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?
If they ask why you want the new card, be prepared with a reasonable reason other than just collecting the sign up bonus. Perhaps the card has a benefit that is attractive such as resort fee credit on the Hilton Aspire card, free baggage on a Delta flight, or something else unique to that card.
Maximum Number of Amex Cards
Keep in mind that the maximum number of American Express credit cards is FIVE (5). It used to be four but I recently had 5 cards and wanted to apply for a Delta Biz Platinum Card offer. They said that I've hit the maximum of 5 cards and that I'd have to close one credit card if I wanted to get it. 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.
What's a the difference between a “charge” card and a credit card? The Green, Gold, and Platinum cards are all charge cards. The other cards such as SPG/Marriott, Business Blue, and others, where you will be assigned a credit limit, a “credit” cards.
When will I receive my new Amex credit card? How long does it take to receive my new Amex card?
The application status website will tell you the card will arrive in 7-10 business days. In my experience, however, most premium (higher annual fee cards), get expedited and are automatically sent by FedEx or UPS and arrive a few days later.
On my most recent card application, since I had to call close one card to make room for another one, I asked them if they could expedite it. It would likely get expedited anyway but I want to bring the card on my next trip to use some of its benefits right away.
American Express Refer a Friend
Most Amex cards offer a bonus of extra points if you refer a friend. You can find the links by logging into your account and searching for “Refer a Friend” or use this link which will take you directly to the page you need.
How many times can I receive the Welcome Bonus?
Once. You can receive American Express credit card welcome bonus points only once per lifetime per product. In the past you could cancel a card and in a couple years apply again and get the sign up bonus all over again.
But: Amex may not really keep track forever. In fact, data over 7 years old may be purged. You can ask Amex to check if you've ever had a credit card and they will check their records. This may work but it's no guarantee. I had a chat rep say that I never had a card and then later I didn't get the bonus because I had the card before.
But #2: Remember that it is once per product! For example, the Delta card has 6 different versions which means 6 different products. It could take you quite some time to get each of these.
TheRewardBoss Amex Card Recommendations