American Express Application Status [How to Find Out]

 If you’ve recently applied for an American Express credit card and want to check your application status, there are a couple of ways you can do this.


  1. You can check the status of your application online by visiting the American Express Application Status webpage. The exact URL might vary depending on your location, but a simple Google search should help you find the right page. For example, for U.S. applicants, you can visit this link.
  2. Once you’re on the webpage, you’ll need to provide some information to identify your application. Usually, this is your Social Security Number and your Home Zip Code. After entering this information, click on ‘Check Application Status’.
  3. The system will then pull up your application status. You might see different terms to describe your status:
    • Approved: Your application has been accepted, and your card is on the way.
    • In Progress: American Express is still reviewing your application.
    • Cancelled: The application has been cancelled. This could be because you withdrew the application, or because of a duplicate application.
    • Denied: American Express has rejected the application. If this happens, you will receive a letter explaining why.


  1. If you’d prefer to check by phone, American Express has a dedicated application status phone line. The number 1-800-567-1083 for the U.S.
  2. After dialing the number, you’ll likely be asked to provide some personal information for security purposes, such as your Social Security Number.
  3. A representative or automated system will then be able to tell you the status of your application.

Remember, if your application has been denied, it’s not the end of the world. Everyone has different credit situations and there are many different cards out there. Consider reviewing your credit report to understand the reasons behind the decision, and maybe take some time to improve your credit score before reapplying.

I hope this helps, and best of luck with your application!


1. How long does it take to get approved for an American Express card? Typically, the approval process takes 7-10 business days. However, some applications may require further review and could take up to a few weeks. Instant approval may also be possible in some cases.

2. Why was my application denied? Application denial could be due to a variety of reasons. These include having a low credit score, insufficient income, high debt-to-income ratio, or negative information on your credit report. American Express will send a letter explaining the reasons for denial.

3. Can I apply for an American Express card with bad credit? While American Express does offer some cards for those with lower credit scores, most of their cards are targeted towards those with good to excellent credit. However, this shouldn’t discourage you from applying, as they take multiple factors into consideration when reviewing an application.

4. How can I improve my chances of getting approved? Improving your credit score, maintaining a low debt-to-income ratio, and ensuring a steady income can improve your chances of approval. Also, ensuring the accuracy of all information provided on your application is essential.

5. Can I reapply if my application was denied? Yes, you can reapply if your application was denied. However, it’s recommended to take some time to address the reasons for the initial denial, like improving your credit score or correcting any errors on your credit report, before reapplying.

6. Can I apply for more than one American Express card at a time? While you can have multiple American Express cards, it’s generally recommended to space out applications to avoid the appearance of financial desperation, which could lead to potential denials.

7. Will checking my application status affect my credit score? No, checking your application status does not have any impact on your credit score.

8. What income do I need to qualify for an American Express card? The income requirement can vary greatly depending on the specific card you’re applying for. Some cards might have no stated minimum income, while others aimed at high spenders might require a substantial annual income. As a general rule, higher income improves your chances of approval.

9. What credit score do I need for an American Express card? While the exact credit score can vary depending on the card, many American Express credit cards require a good to excellent credit score, which generally means a score of 700 or above.

10. Can I upgrade or downgrade my American Express card? In most cases, yes. You’ll need to contact American Express directly to request a product change. Keep in mind, eligibility for an upgrade or downgrade depends on your account standing and creditworthiness.

11. What should I do if my application is ‘in progress’ or ‘pending’? This simply means that American Express needs more time to make a decision on your application. There’s nothing you need to do but wait for further communication from them.

12. What does ‘cancelled’ status mean on my application? This could mean a few things. It’s possible that you have another pending application, you withdrew the application, or there was an error during the process. If your application was cancelled and you’re not sure why, it’s best to contact American Express directly.

13. I don’t have a Social Security Number (SSN). Can I still apply for an American Express card? typically an SSN is required to apply for an American Express card in the U.S. However, you may still be able to apply with an Individual Taxpayer Identification Number (ITIN). Please check the latest information with American Express or consult a financial advisor.


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