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Are you trying to check your Amex credit card application status?
Luckily, Amex makes it very easy to check your status.
This article will show you how to check your status online or over the phone.
I’ll also show you some tips if your credit card application is denied that might allow you get it changed to approved when calling into the reconsideration line.
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How to check your Amex credit card application status
You check your application status online or you can do it over the phone. I personally recommend that you do it online because that’s going to be the quickest and easiest route for many.
Check your Amex application status online
You can check your credit card application status here. (You can also check on the status of loans as well).
Simply do the following:
- Enter your (full) social security number (SSN)
- Enter your home zip code (the one you used on the application)
- Click “Check Application”
You should also see the status of prior credit card applications well (both personal and business credit cards should show up).
As you can see my shown “Approved” below but other messages you might see are:
- In Progress
Application status: “Denied”
If you status says that you’ve been denied then you’ll probably want to call the reconsideration line phone number found below.
Application status: “In Progress”
If your application is in progress you may just need to wait a few days because Amex is processing your app. Sometimes calling in to the reconsideration line will expedite this but other times you must simply wait it out.
Application status: “Cancelled”
If you see that it’s been cancelled you should call Amex immediately to inquire about what happened (there could have been some sort of verification issue).
Check your Amex application status by phone
You can also check your American Express application status via phone.
You can try the following numbers:
You’ll probably be asked to enter the last 4 digits of your SSN and zip code.
What Amex cards can I check my application status for?
You should be able to check your status for any personal credit card or business credit card including:
- Platinum Card® from American Express
- Premier Rewards Gold Card from American Express
- Blue BusinessSM Plus Credit Card
- Blue Cash Preferred® from American Express
- Blue Cash Everyday® from American Express
- Blue Delta SkyMiles® Credit Card
- Business Green Rewards Card
- Gold Delta SkyMiles® Credit Card
- Platinum Delta SkyMiles® Credit Card
- Delta Reserve® Credit Card from American Express
- Delta Reserve® for Business Credit Card from American Express
- Hilton Honors American Express Card
- Hilton Honors American Express Ascend Card
- Hilton Honors American Express Aspire Card
- Amex EveryDay® Card
- Amex EveryDay® Preferred Card
- The Business Gold Rewards Card
- The Plum Card®
- Gold Delta Skymiles® Business Credit Card
- Platinum Delta Skymiles® Business Credit Card
- The Business Platinum Card®
- Lowe’s Business Rewards Card from American Express
- SimplyCash® Plus Business Credit Card
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How long does approval take?
If your credit card approval is not instant it could take a couple of days for your application to process.
If you suspect things are lingering too long then check with the reconsideration line number below.
How long does it take to receive an Amex card?
You should receive your card within 7 to 10 day business days. However, for some cards like the Platinum Card Amex will allow you to receive it with expedited shipping so the delivery time could be much quicker.
Once you are approved, you should immediately request expedited shipping or else it might be too late.
Can I check for credit limit increase approval?
Note that this website is not where you you’ll see the status of a credit limit increase request or a balance transfer.
If you have requested either a line of credit increase or a balance transfer on an existing American Express card account, please call the number on the back of your card regarding the status of those requests.
However, if you requested a balance transfer for your new credit card, you should be see a link taking you to a screen where you can check on that.
It will state:
If you requested a balance transfer to this card, click here to view the status of that transfer
You’ll then be taken to a new screen where you might have to verify your date of birth to proceed.
Amex credit card rules
Amex, like many other major credit card issuers, has a few specific rules you need to take into consideration when applying for their credit cards.
The Amex 2/90 day rule
The Amex 2/90 rule does not allow for you to be approved for more than two credit cards within any 90 day period.
Remember, this rule applies to credit cards, not charge cards.
Some applicants are lucky enough to get around this rule and get 3 credit cards in 90 days, but generally they are the exception to the rule.
Things are different when it comes to charge cards, though.
There is no strict limitation on charge cards. However, I would limit charge card applications to about 2 per 90 day period just to be on the safe side.
One credit card application per day
American Express application rules typically (though not always) limits you to one Amex credit card approval per 5 business days.
Again, this does not apply to charge cards but only credit cards. Also, some people have been able to get around this rule in the past.
Five Amex credit cards total
American Express used to limit consumer to four total credit cards but now they allow usually allow you to hold only five credit cards at a maximum.
Once again, this rule does not apply to charge cards and there are people who have found ways to get around this rule.
Bonuses are once per lifetime
One of the most important American Express application rules to know about is the once per lifetime bonus rule.
This means that once you earn a welcome bonus for a specific card, you can never earn that bonus again even if you cancel your card and reapply.
There’s no distinction between charge cards and credit cards with this rule, either.
NoIn practice this “lifetime” language sometimes does not apply to people who received a bonus 7 or more years ago, but it’s never a guarantee.
Crack down on gaming
American Express has cracked down on gaming and has decided to start denying welcome bonuses to those who they believe are trying to game the system.
Now, Amex will tell you if you are not eligible for a welcome offer before they ever run your credit.
For more on these rules, I suggest that you read my primer on applying for American Express credit cards.
Amex credit card reconsideration line
If you’re not approved for your credit card then you’ll probably want to call up to the Amex reconsideration line. This phone line gives you the chance to plead your case and show why you should be approved for a card.
Amex reconsideration phone number and hours
Here are the phone numbers and hours for the Amex reconsideration line.
- For new customers: 877-399-3083
- For current customers: 866-314-0237
Here are the hours of operation:
- Monday to Friday: 8am to 12am
- Saturday: 10am to 6:30pm
- Sunday: Closed
What to say in a reconsideration call
Handling a reconsideration call isn’t very difficult but there are a few things you should consider.
The first is that you need to have a good reason for why you’re seeking a card.
Here are some good reasons for seeking new credit cards:
- You need the credit card(s) to help segregate your expenses for some reason (e.g., starting multiple businesses)
- You’re switching or trying to build up a relationship with a certain airline like Delta
- You don’t want to pay foreign transaction fees or you are attracted to some other benefit (e.g., primary rental car insurance)
- You prefer one interest rate (APR) over another (especially when dealing with balance transfers)
Generally, it’s not a good idea to tell the phone reps that you’re just going after a card because you think it has a great sign-up bonus. That will make you look like an unprofitable customer, or even worse, a “gamer” which Amex has come to despise.
Amex credit pulls
American Express is known to pull from the credit bureau Experian.
But one cool thing about Amex is that they don’t always perform a hard pull on your credit card application.
If you’re a current customer then Amex will often only perform a soft-pull if they reject your credit card application. And sometimes Amex will even perform a soft pull when they approve your application.
I don’t think anybody knows exactly how to predict which type of credit pull will be done by Amex but it’s good to be aware of these.
There also might be some link between soft pulls and applying for Amex pre-qualified credit card offers.
Amex Refer a Friend
Amex has a program called Amex Refer a Friend which allows you to send your referral application links to friends and family and if they are approved then you’ll get a nice cut of points or miles.
There is no way to check on the approval status of other people who have used your links though, so you’ll often have to personally verify that they used your link and were accepted.
You can read more about the Amex Refer a Friend program here.
American Express makes it very easy to check on the status of your credit card and loan applications.
It’s a good idea to review all of the different Amex application rules so that you have a good idea of what to expect when it comes to the outcome of your credit card application.
H-Town based Attorney turned credit card rewards expert. Founder of UponArriving.com.