Getting approved for an American Express card is an exciting step towards enjoying exclusive benefits and rewards! While the process can sometimes feel like a waiting game, there are several ways to stay informed about your application's status. Let's walk through how you can determine if your American Express card application has been approved.
Step 1: Did You Get an Instant Decision? ⚡️
The moment you hit "submit" on your American Express application, the anticipation begins! Sometimes, Amex provides an instant decision, which is the quickest way to know your application's outcome.
What to Look For:
On-Screen Confirmation: After submitting your online application, you might see an immediate message on your screen stating that your application has been approved, declined, or is pending further review. This is the most straightforward scenario.
Email or SMS Notification: American Express often sends an email or SMS notification within minutes of your application, informing you of a conditional approval and providing an application reference number. If you receive this, it's a great sign!
If you didn't receive an instant decision, don't worry! This is quite common and simply means Amex needs a bit more time to review your information.
Step 2: Utilize the Online Application Tracker
The American Express online application tracker is your go-to resource for checking the status of your application at your convenience.
How to Use It:
Visit the American Express Application Tracker Page: Navigate to the dedicated "Check Application Status" page on the official American Express website for your region (e.g.,
americanexpress.com/in/apptracker Enter Your Details: You'll typically need one of the following:
Your registered mobile number used during the application.
Your 14-digit application reference number. This number is usually provided in the confirmation email you received after submitting your application.
Submit and View Status: Click "Submit" (or a similar button) to retrieve your application's current status.
Possible Online Statuses:
Approved: Congratulations! Your application has been approved, and your card is on its way. You'll typically receive your physical card within 7-10 business days.
Pending/On Hold: This means your application is under review. American Express might need additional information or time to verify details. Don't panic; this is a normal part of the process.
In Progress: Similar to "Pending," this indicates your application is actively being processed.
Dispatched: Your card has been printed and shipped! You might even receive a tracking number via SMS or email to monitor its delivery.
Declined/Rejected: Unfortunately, your application was not approved at this time. The status might provide a general reason, or you may receive a formal letter explaining the decision.
Step 3: Contact American Express Customer Care
Sometimes, a direct conversation can provide the clearest answers. If you prefer to speak with someone or if the online tracker isn't clear, calling American Express customer care is a good option.
Steps to Take:
Find the Right Number: Locate the customer care number for credit card applications on the official American Express website for your country. For example, in India, numbers like 1800-419-3646 or +91-124-2801800 are common. In the US, the application status line is 1-877-239-3491.
Have Your Information Ready: Before you call, ensure you have your application reference number and the mobile number you used to apply. This will help the representative quickly locate your application.
Explain Your Inquiry: Clearly state that you are calling to inquire about the status of your credit card application.
Ask for Details: If your application is pending, ask if any further documents or information are needed from your end to expedite the process.
Step 4: Check Your Mailbox (Physical Mail) ✉️
Even in the digital age, American Express often communicates application decisions via postal mail, especially for approvals or declines where detailed explanations are provided.
What to Expect:
Approval Letter: If approved, you'll receive a welcome packet that includes your new card, cardmember agreement, and details about your benefits.
Decline Letter: If your application was declined, you'll typically receive a letter explaining the reasons for the decision. This information can be valuable if you plan to reapply in the future.
It usually takes 7 to 10 business days for a final decision and for the card to be dispatched after approval. However, in some cases, especially if more verification is needed, it can take up to 30 days.
Step 5: Consider "Instant Card Number" Eligibility
For eligible American Express cards, you might get an Instant Card Number immediately upon approval, allowing you to start making purchases online or adding it to your digital wallet even before your physical card arrives.
How it Works:
Post-Approval Invitation: If you're eligible, you'll be invited to get your Instant Card Number right after online approval, or via a link in your welcome email.
Immediate Use: This allows you to use your card for online shopping or with digital wallets like Apple Pay, Google Pay, or Samsung Pay, letting you earn rewards sooner.
Not all cards offer this feature, but it's a fantastic perk if available!
FAQ: How to Know if Your American Express Card is Approved
How to Check American Express Card Application Status Online?
You can check your American Express card application status online by visiting the official American Express "Check Application Status" page and entering your registered mobile number or 14-digit application reference number.
How to Check American Express Card Application Status by Phone?
Call the American Express customer care number for credit card applications (e.g., 1-877-239-3491 in the US) and provide your application reference number or registered mobile number to the representative.
How to Know if My Application is Approved Instantly?
After submitting your online application, look for an immediate on-screen message or an SMS/email notification from American Express confirming conditional approval.
How to Understand "Pending" or "On Hold" Status for My Amex Application?
"Pending" or "On Hold" means American Express is still reviewing your application, possibly needing more time for verification or awaiting additional documents from you.
How to Get My American Express Card Faster After Approval?
If eligible, you might receive an "Instant Card Number" immediately after approval for online and digital wallet use. For the physical card, you can inquire about expedited shipping options with customer service.
How to Find My American Express Application Reference Number?
Your 14-digit application reference number is typically sent to your registered email address shortly after you submit your application.
How to Know What Documents American Express Needs for My Application?
If your application is pending due to missing documents, American Express will usually contact you via email, SMS, or a follow-up call specifying what is required. You can also ask customer service directly.
How to Check if My Physical Card Has Been Dispatched?
If your application status shows "Dispatched," it means your card has been sent. American Express often provides a tracking number via SMS or email for delivery monitoring.
How to Know Why My American Express Application Was Declined?
If your application is declined, American Express will typically send a formal letter via postal mail explaining the reasons for the decision. You can also call customer service for more insights.
How to Reapply for an American Express Card After a Decline?
American Express generally recommends waiting for a certain period (e.g., 90 days or 6 months) after a decline before reapplying. Use the information from your decline letter to address any issues before reapplying.
