Amex is pretty friendly towards newbies. I have about 6 months credit history with a FICO 8 of 703 with two accounts: One of them is a secured card with Capital One for $500 and the other with my bank for another $500. Amex approved me online for an Amex Blue Cash Everyday Card with a $2,000 limit last night. My first tier 4 card. My own bank has not even offered me an upgrade yet. Amex is amazing! They're taking a chance on me with limited history. I will not forget that. While I will eventually get a Chase card and will also get an upgrade from my bank in the future, I will always favor Amex as a consumer.