The credit score needed for the American Express Blue Cash Everyday card is typically a FICO score of 670 or higher. However, it’s important to note that credit card approval is not solely based on credit score. Lenders also consider other factors such as income, employment history, and debt-to-income ratio.
Having a score of 670 or higher generally falls within the range of “good” credit. However, it’s important to aim for a higher score to increase your chances of approval. A FICO score between 740 and 799 is considered “very good” and would greatly improve your likelihood of being approved for the card.
If your credit score is below 670, it may be a good idea to work on improving it before applying for the American Express Blue Cash Everyday card. You can do this by paying your bills on time, reducing your credit card balances, and avoiding new credit applications.
Personal experiences and situations can vary, but I can share that I have personally known individuals who were approved for the American Express Blue Cash Everyday card with credit scores above 670. Additionally, I have heard of cases where individuals with scores below 670 were also approved, but they had other strong factors in their favor such as a high income or low debt-to-income ratio.
While a credit score of 670 or higher is generally needed for approval, having a higher score in the range of 740 to 799 greatly improves your chances. It’s important to consider other factors such as income and debt-to-income ratio as well. It’s always a good idea to work on improving your credit score before applying for any credit card to increase your chances of approval.