Update: These offers for The Business Gold Rewards Card from American Express and the Premier Rewards Gold Card from American Express have expired. Learn more about the current offers here.
- Premier Rewards Gold Card from American Express
- The Business Gold Rewards Card from American Express OPEN
I do my best to collect as many (admittedly unscientific) data points as possible for credit card approvals and denials. After all, there are cards out there that are easier to be approved for than others, and not everyone has a credit history of 10 years and a credit score over 800. Heck, I don’t have either of those.
Along the same lines, as someone that’s young and only got into credit cards about five years ago, I’m very interested in which credit cards are the easiest to get approved for when getting started. When I first wanted to get into this hobby I picked up a student credit card with no income requirements, spent small amounts on it for six months (making sure I kept my credit utilization low and made my payments on time), and then started applying for the exciting cards that offered real bonuses.
Based on my experiences and the experiences of many I’ve given suggestions to, I’ve found the single easiest “rewarding” personal card to be approved for to be the Premier Rewards Gold Card, and the single easiest business card to be approved to be the American Express Business Gold Rewards Card. Now, this is hardly scientific, but I don’t think there’s a single other rewarding personal or business card out there that I’ve had more people tell me they were instantly approved for.
Why is this? Probably because they’re both not credit cards, but rather charge cards. This means you have to pay off the balance in full each month and can’t carry a balance, which means these cards are less risky to the credit card companies. While there are lots of other charge cards out there, I haven’t found them to be quite as easy to be approved for.
Has anyone had experiences with other cards that are especially easy to be approved for?