Getting an American Express credit card is straightforward, and the approval process is quick no matter how you apply: by mail, online, or over the phone. Before you begin, it's important to choose the right card and familiarize yourself with its benefits, terms, and fees.

Part 1

Step 1: Choose the Most Suitable Credit Card.

Step 1

Determine which credit card you need. Consider various options: for cash withdrawal, purchasing airline tickets, or paying for hotels. You might prefer a card geared towards business travel.

Step 2: Compare the Benefits of Different Cards on AmericanExpress.com.

Step 2

Step 3: Review the Terms and Fees Associated with Each Card.

Step 3

It's important to read the terms and fees carefully to avoid unpleasant surprises later on. Don't forget to check the fine print!

Step 4: Respond to the Credit Card Offer by Sending Your Application via Mail or Using the "Respond to a Mail Offer" Button on AmericanExpress.com.

Step 4

  • If you have a paper offer, find the RSVP code that you need to enter along with your zip code to access the online version. Otherwise, you can enter your personal information, such as your name and address, to access the offer.

Step 5: Fill Out the Online Application with Your Personal Information, Employment Details, and Housing Information (whether you rent or own).

Step 5

Complete the online form by providing your information, work details, and housing situation. You may need to specify your annual income. Approval typically takes just a minute.

Step 6: Call 1-800-223-2670 to Apply Over the Phone.

Step 6

The phone lines are open 24/7.

Step 7: If Your Application Was Not Approved Immediately, Check Its Status Online.

Step 7

Step 8: Wait for Your Credit Card to Arrive.

Step 8

New cards usually arrive within 7-10 days. You will receive a white envelope with the American Express logo and an address from Omaha, Nebraska. If 10 days pass and you haven't received your card, contact American Express customer support.

Step 9: Activate Your Credit Card by Following the Instructions Included in the Letter.

Step 9

Step 10: Manage Your Account by Registering Your Card on AmericanExpress.com.

Step 10

This will allow you to pay bills and monitor your balance simply by logging into your online account.

Step 11: Enjoy the Benefits of Your New American Express Credit Card.

Step 11

  • Familiarize yourself with the rewards and points system to earn them in time, making sure not to miss out on benefits before points expire.
  • Take advantage of free insurance for your purchases and explore extended warranties.
  • Enjoy protection and support while traveling with your American Express credit card.