American Signature Credit Card: Increase Your Approval Odds (+ Get Better Rates)

Last Updated: Mar 16, 2023

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We generally only recommend American Signature Credit Card if you have at least a 630 credit score (otherwise known as a "fair" credit score). The reason being you can get a relatively high APR if you have a low credit score, plus it will be much harder to get approved.

Is American Signature Credit Card a good credit card for me?

Every situation is different, so it's hard to give a blanket recommendation on whether or not American Signature Credit Card is the right card for you.

However, they are known to be relatively generous with their reward points & other perks, so it may be worth it. Keep in mind you may have to acquire a minimum amount of points before you are able to redeem them.

Is American Signature Credit Card worth it?

There are 100s of different credit card options that are best suited to a wide range of situations. Which makes it hard for us to honestly answer whether or not American Signature Credit Card is worth it for you.

We recommend considering the following when looking into getting any credit card (as a starting point at least):

  • Are you a responsible spender? You can quickly get yourself into too much debt if you're not responsible with your credit card
  • Are there are signup bonuses available with this card?
  • What annual fees does it have?
  • Are there penalty APRs?
  • Does it have an interest free period, and if so, how long is it?
  • How does it's APR compare to other cards?
  • How does the rewards/points system work?

What are the approval odds for American Signature Credit Card?

The approval odds are going to be heavily dependant on your credit score, income & expenses.

If you have a credit score of 750+, you can basically get approved for most credit cards, including the American Signature Credit Card. But if you have a "poor" credit score, it's going to be a lot more difficult.

What credit score do I need for American Signature Credit Card?

A general rule of thumb is if you have a "good" credit score (670-739) or above, then you're approval odds are relatively high.

Anything below that and the odds go down, you may be able to get approved with a "fair" credit score, but if you have a "poor" score, then it is extremely unlikely you'll be approved (unless the card is secured).

Improve your credit score BEFORE applying for American Signature Credit Card

If your credit score is preventing you from qualifying for American Signature Credit Card, we recommend you call one of our friendly credit experts for a free consultation. We'll review your credit report with you (in real-time), and see if there is anything we can do to help your score.

Once we've improved your score for you, you'll be in a much better place to apply & get approval for American Signature Credit Card. Not to mention all the other benefits that come with a great credit score!

How to Maximize the Benefits of the American Signature Credit Card

With the American Signature Credit Card, you have the chance to unlock a wealth of opportunity. From understanding your financing options, to taking advantage of special promotions and bonus rewards - capitalizing on these key points can help you secure significant savings. Regular usage of the card will also accumulate points and keep your account active; consequently, improving your credit score over time. If you stay aware and take full advantage of all the perks available, you can reap the rewards of having an American Signature Credit Card.

The Pros of Having a Solid Credit Score

It's vital to stay on top of your credit score if you want to ensure a secure financial future. A good credit score can open the doors to numerous opportunities and provide access to loans and credit cards with favorable terms. It can also qualify you for mortgages and rentals as landlords and lenders often use credit scores to determine someone's financial stability. 

Additionally, some insurance companies look at credit scores when determining premiums so having a good score can lead to savings in that area too. 

In order to reap the benefits of a good credit score, it's essential to monitor and maintain your score. Doing so will increase your chances of getting approved for loans and unlock other potential savings. Investing time into protecting your credit score can pay off in the long run!

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