American Express Membership Rewards - AMEX with 0 income?

Does anyone have any experience in applying for an AMEX without any income?

I ask this as I'm a law student here in the UK and will be training as a solicitor with a major American law firm in London in 2006 (I've signed the contract etc. :)). Although they pay me £5k per annum in 'maintenance', I don't have any other income and am therefore, I would assume, ineligibile for an AMEX card. I do, however, have a NatWest Mastercard that is tied to my student account (£1,800 credit limit on it).

You have a card with a credit line of one-third of your annual income. It doesn't sound like you need another card. Certainly not one you have to pay for.

I'd like one to use in conjunction with my BAEC membership and accrue more miles that way...

I'd like one to use in conjunction with my BAEC membership and accrue more miles that way...

In any case, you're right, American Express will not consider your application for any card unless you can show an income of at least £8,000 per year, and even the basic BA Credit Card wants £12,000 as a minimum.

Credit card with no income?

Sure you can

www.discovercard.com

:D

In the US, many credit cards waive the income requirement if you're a full-time student. Students are very profitable customers for credit card companies since they are often financially uneducated and tend not to pay attention to interest rates, late fees, and the like. This, combined with aggressive on-campus marketing and irresponsible lending practices (like extending huge credit limits to those same students with no income) ensure that some young adults will either be saddled with credit card debts that take many years to pay off or forced into bankruptcy.

I'm glad Amex seems to have a minimum income requirement in the UK, just from a consumer protection standpoint (not allowing low-income people to get into debt that they can't reasonably pay off). I don't believe their student cards require a certain income stateside, but I can't remember since I had a $20,000+ annual income independent of loans and parents when I applied for it a few years back.