Waiting to hear back after applying for a new credit card can be a nail-biting experience, especially when it's for a prestigious card like those offered by American Express. The anticipation is real! You've envisioned all the amazing perks, the travel benefits, the Membership Rewards points... and now, it's just a waiting game. So, how long does it really take to hear back from an American Express application? Let's break it down step-by-step.
The American Express Application Journey: From Application to Approval
American Express is known for its efficient application process, with many applicants receiving an instant decision. However, there are scenarios where it might take a bit longer. Understanding the typical timeline and the factors that influence it can help manage your expectations.
Step 1: The Initial Application – Did You Get an Instant Decision?
Alright, let's start right where you are now! You've just hit "submit" on your American Express credit card application. What happens next?
Instant Approval: For many applicants, particularly those with strong credit profiles and a history with American Express, an instant approval is common. This is the dream scenario! If approved instantly, you might even receive a temporary card number to use for online purchases immediately, while your physical card is being prepared and shipped. This can happen within seconds to a few minutes of submitting your application.
"Under Review" or "Pending" Status: If you don't get an instant decision, don't panic! This is often the most common outcome. An "under review" or "pending" status simply means American Express needs a little more time to assess your application. This could be for a variety of reasons, which we'll explore shortly. Typically, you'll see this message on the screen immediately after applying, or you'll receive an email notification shortly thereafter.
Step 2: The "Under Review" Period – What's Happening Behind the Scenes?
So, your application is under review. What exactly is American Express doing? They're meticulously verifying the information you provided and assessing your creditworthiness.
Credit Check: American Express will perform a "hard inquiry" on your credit report from one or more major credit bureaus (like Experian, Equifax, or TransUnion). This helps them understand your credit history, payment habits, existing debt, and overall financial health.
Identity Verification: They may need to verify your identity to prevent fraud. This could involve cross-referencing your personal details with databases or, in some cases, requesting additional documentation.
Income Verification: While not always required, Amex might want to verify your stated income, especially for higher-tier cards. This could involve asking for pay stubs, tax returns, or bank statements.
Application Volume: Sometimes, a higher-than-usual volume of applications can lead to slight delays in processing.
Discrepancies or Unusual Activity: If there are any discrepancies in your application or something unusual on your credit report (like a recent high number of credit inquiries), it could trigger a manual review.
How long does this "under review" period typically last? This is where the timelines can vary:
A Few Hours to a Few Days: Many applications that go into review are processed within 24 to 72 hours. You might receive an email update or a call from American Express within this timeframe.
Up to 7-10 Business Days: In some cases, especially if additional information is needed, the review process can extend to 7 to 10 business days. American Express generally states they hope to inform you of the decision immediately, but if more time is needed, they will contact you.
Up to 14 Business Days or More (in rare cases): For more complex situations or if extensive verification is required, it could take up to 14 business days or even longer. Some users have reported waiting up to a month or more, especially if there are issues with documentation or identity.
Step 3: Checking Your Application Status – Taking Control of the Wait
While waiting can be frustrating, you don't have to be completely in the dark. American Express offers ways to check your application status.
Online Application Status Checker: This is typically the easiest and quickest way. You'll usually need your Social Security Number (SSN) and ZIP code, or a unique application reference number that Amex provides in the confirmation email. Make sure to have this handy!
Where to find it: Look for "Application Status" or "Check Application" on the American Express website.
Calling American Express New Accounts: If you prefer speaking to a human or if the online tool isn't providing enough detail, you can call their New Accounts line. They can often provide more specific information and even escalate your application for review if it's been pending for an unusually long time.
Pro Tip: Have your application reference number, SSN, and other identifying information ready before you call.
Email Notifications: Keep a close eye on your email, including your spam and junk folders. American Express will often send updates regarding your application status, requests for additional information, or the final decision via email.
Step 4: The Decision – Approval or Denial
The moment of truth! Once Amex completes its review, you'll receive a decision.
Approval: Congratulations! If approved, you'll receive a notification. This might be an immediate on-screen message, an email, or even a letter in the mail. The communication will usually include details about your new card, credit limit, and when to expect the physical card.
Card Delivery: Once approved, American Express typically mails your new card within 5-7 business days. Some applicants report receiving it faster, especially if expedited shipping is available or requested. You might also receive a tracking number via email or SMS.
Denial: If your application is denied, American Express is required to send you an adverse action letter explaining the reasons for the denial. This letter usually arrives within 7-10 business days after the decision is made.
What to do: Don't despair! Review the reasons for denial carefully. It could be due to a low credit score, high debt-to-income ratio, insufficient credit history, too many recent inquiries, or inaccuracies on your credit report. You can also call the Amex reconsideration line to discuss the denial and potentially provide more information.
Factors That Influence the Timeline
Credit Score and History: Applicants with excellent credit and a long, positive credit history are more likely to receive instant approvals.
Existing Relationship with Amex: If you're already an American Express cardholder with a good payment history, your application for a new card might be processed faster.
Completeness and Accuracy of Application: Any errors or missing information on your application can cause delays as Amex tries to verify details.
Income and Debt: Your income and existing debt play a significant role in Amex's assessment of your ability to manage new credit.
Recent Credit Inquiries: A high number of recent credit inquiries can sometimes flag your application for a manual review.
Card Type: Some premium cards may have more stringent approval processes, potentially leading to longer review times.
Quick Summary of Timelines:
Instant Approval: Seconds to minutes.
"Under Review" Initial Period: 24-72 hours for an initial update.
Typical "Under Review" Resolution: 7-10 business days.
Max "Under Review" Period: Up to 14 business days or more (in rare, complex cases).
Card Delivery After Approval: 5-7 business days.
Denial Letter After Decision: 7-10 business days.
10 Related FAQ Questions
How to check American Express application status online?
To check your American Express application status online, visit the official Amex website and look for an "Application Status" or "Check Application" link. You'll typically need to enter your Social Security Number (SSN) and ZIP code, or your unique 14-digit application reference number.
How to get an instant decision on an American Express application?
While not guaranteed, having an excellent credit score, a long and positive credit history, and applying during periods of lower application volume can increase your chances of an instant approval. Many existing Amex cardholders also report instant decisions.
How to contact American Express about a pending application?
You can contact American Express's New Accounts line to inquire about your pending application. The specific phone number can usually be found on their official website under the "Contact Us" or "Help & Support" sections. Have your application reference number ready.
How to expedite the delivery of an American Express card after approval?
Once approved, you can call American Express customer service to inquire about expedited shipping options. While not always available or free, it's worth asking, especially if you need the card quickly for an upcoming trip or purchase.
How to understand why my American Express application is "under review"?
An "under review" status means American Express needs more time to verify information, assess your creditworthiness, or resolve any discrepancies. It could be due to factors like recent credit inquiries, a need for income verification, or simply a high volume of applications.
How to improve my chances of American Express approval for future applications?
To improve your chances, focus on maintaining a strong credit score, reducing existing debt, ensuring stable income, and correcting any errors on your credit report. Avoid applying for too much new credit in a short period.
How to handle an American Express application denial?
If denied, American Express will send you a letter explaining the reasons. Review this letter carefully. You can also call the Amex reconsideration line to discuss the decision and see if providing additional information could lead to a reversal.
How to find my American Express application reference number?
Your application reference number is typically provided in the confirmation email you receive shortly after submitting your application. Check your inbox and spam/junk folders for this email.
How to get a temporary American Express card number instantly after approval?
If you are approved instantly and are eligible, American Express often provides an "Instant Card Number" immediately on the approval screen or via email. This allows you to use your card for online purchases or add it to a digital wallet before the physical card arrives.
How to know if American Express needs more documents for my application?
If American Express requires additional documents, they will typically notify you via email or phone. The notification will specify what documents are needed and how to submit them (e.g., via a secure online upload portal). Always ensure to respond promptly to these requests.
