Eligibility Requirements
- Be aged 18 or over
- Have a permanent UK home address
- Hold a UK bank or building society account
- Earn at least £20,000 per year
- Have no history of bad debt and meet the eligibility for credit card approval
American Express Basic Card application steps
- Click Apply Now to begin the application
- Complete a quick form with personal and financial details
- Receive an instant decision with no impact on your credit score
- Accept the offer if approved
- Activate your card and start using it immediately
Frequently Asked Questions
What is the minimum income to apply for the card?
Applicants must earn at least £20,000 per year to meet the eligibility for credit card requirements.
How do I track my credit card application?
You can track your credit card application credit status via email updates or through the American Express online application journey.
How long does it take for my card to be approved?
Most applicants receive an instant credit card decision within seconds after submitting the apply for credit card online form.
Can I be approved for the American Express Basic Card with a low score?
Approval depends on your overall credit profile. A soft check is used initially, helping you understand your eligibility for credit card approval without affecting your score.