The American Express Gold Card is one of the most popular rewards credit cards, offering lucrative points on dining, groceries, and airfare. However, many consumers wonder – what is the minimum age to get approved for the Amex Gold?
In this article, we’ll discuss the age requirements for the Amex Gold Card and explain why American Express has set an age minimum for applicants. We’ll also provide tips for younger applicants who may not meet the age criteria but still want to enjoy the benefits of the card. Whether you’re a teen, college student, or parent shopping for your child’s first credit card, read on to learn everything you need to know about the age limits for the coveted Amex Gold.
Is There an Age Limit For Amex Gold Credit Cards?
When it comes to premium rewards credit cards, the American Express Gold Card is one of the most popular options. However, many consumers wonder if there are any age restrictions for being approved for the coveted Amex Gold.
The answer is yes – American Express does have an age requirement for the Gold Card. Unlike some other credit cards, you cannot get approved for the Amex Gold at any age. This is important to consider when looking for a credit card as a minor or if you are a parent looking for a credit card for your child. American Express has set a specific minimum age that applicants must meet in order to be eligible for the Gold Card.
Later in this article, we’ll discuss what that minimum age is and why American Express has set an age limit on their popular rewards card. We’ll also provide some alternative card options for younger consumers who don’t quite meet the age criteria for the Gold Card yet.
How Old Do You Have to Be to Get an Amex Gold Credit Card?
While the American Express Gold Card offers lucrative rewards on dining, groceries, and airfare, it does come with an important age requirement that applicants need to be aware of. Specifically, the minimum age to be approved for the Amex Gold card is 13 years old.
American Express requires that all applicants are at least 13 years of age or older when applying for the Gold Card. Unlike some other credit cards, you cannot get approved before reaching your teenage years. This 13 year old age restriction is an eligibility criteria directly from American Express.
If you are under 13 and want to enjoy the rewards and benefits offered by the Amex Gold, you will have to wait until you reach the minimum age. Meeting this age limit is key for approval for this popular premium travel and dining credit card.
Is There an Amex Gold Authorized User Age Limit
There is no specific age limit for authorized users on the Amex Gold Card or to get an additional card for an authorized user. The primary cardholder can add authorized users of any age to their Amex Gold account.
Here are some key points about authorized users and age limits on the Amex Gold Card:
- The primary cardholder must meet the minimum age requirement of 13 years old, but authorized users do not have to meet any age criteria.
- American Express allows primary cardholders to add children and teenagers as authorized users, as long as the primary cardholder assumes financial responsibility for the account.
- Being an authorized user can be a good way to help younger family members build credit history, since the primary cardholder’s account history will be reflected on their credit report.
- While there is no set age limit, the primary cardholder should use prudent judgement when adding young authorized users. Most financial experts recommend waiting until at least 16 years old.
- Authorized users do not have to be family members. Primary cardholders can add friends, significant others, employees, etc. regardless of their age.
So in summary, American Express does not enforce any authorized user age limit for the Amex Gold Card. The primary cardholder assumes full financial liability and can add users of any age as they see appropriate.
Do You Have To Be 18 to Get An Amex Gold Credit Card?
No, you do not have to be 18 years old to get the American Express Gold Card. The minimum age to apply and be approved for the Amex Gold Card is actually 13 years old.
Here are some key facts about the age requirements:
- The cardholder (primary applicant) must be at least 13 years of age. There is no requirement for authorized users.
- American Express lowered the minimum age to 13 back in 2019. Prior to that, the minimum age was 18.
- 13 years old is quite young for a premium credit card. Many other rewards cards require the applicant to be at least 18 years old.
- Applicants under 21 may need to demonstrate their ability to pay, such as providing income information. Approval is case-by-case.
- Having a cosigner, such as a parent, can help with approval odds for teenage applicants. The cosigner is responsible if payments are missed.
So in summary, 13 is the magic number – not 18. American Express does offer the Amex Gold Card to younger applicants, with parental supervision recommended. Meeting the minimum age requirement is key for approval.