How to Get the American Express Platinum Card: Your Guide to Approval

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The American Express Platinum Card is a coveted piece of plastic, offering a plethora of travel and lifestyle benefits that make it a favorite among frequent travelers and luxury enthusiasts. But getting approved for this prestigious card isn’t a walk in the park. It requires a good to excellent credit score, a healthy income, and a commitment to utilizing its perks to the fullest.

So, what can you do to improve your chances of being granted the Platinum Card from American Express?

1. Build a Stellar Credit Score:

This is the most crucial factor in determining your eligibility. To impress Amex, strive for a credit score of at least 700, preferably higher. With WalletHub, you can check your credit score for free and, if necessary, take action to raise it.

2. Secure a Stable Income:

Amex wants to ensure you can afford the card’s annual fee and comfortably manage your spending Demonstrating a consistent and sufficient income is key.

3. Meet the Age Requirement:

You must be at least 18 years old to apply for the Amex Platinum Card

4. Have a U.S. Address:

P.O. boxes won’t cut it You’ll need a valid physical address in the United States to qualify

5. Utilize Amex’s Pre-qualification Tool:

This handy tool gives you a good indication of your approval odds without impacting your credit score. It’s a valuable first step before submitting a formal application.

6. Be Strategic with Your Application:

Fill out the application form accurately and completely. Avoid any inconsistencies or inaccuracies that could raise red flags.

7. Be Prepared to Explain Your Spending Habits:

Amex may inquire about your spending patterns and how you plan to utilize the card’s benefits. Be ready to articulate your reasons for wanting the card and how you’ll maximize its value.

8. Be Patient:

The approval process can take a few weeks, so don’t get discouraged if you don’t hear back immediately.

Remember, getting the American Express Platinum Card is an investment. By understanding the requirements and taking steps to improve your financial standing, you can increase your chances of joining the exclusive club of Platinum cardholders and reaping the rewards of its luxurious benefits.

Here’s a quick summary of the key points:

  • Credit Score: Aim for 700+
  • Income: Demonstrate a stable and sufficient income
  • Age: 18+
  • Address: Valid U.S. physical address
  • Pre-qualification: Use Amex’s tool to gauge your approval odds
  • Application: Fill it out accurately and completely
  • Spending Habits: Be prepared to explain your spending patterns
  • Patience: The approval process can take time

By following these tips, you’ll be well on your way to securing the American Express Platinum Card and unlocking a world of travel and lifestyle privileges.

The American Express Platinum card

  • Rewards: Up to $500,000 in flight or hotel bookings made directly through American Express Travel earn 5X Membership Rewards® Points; prepaid hotel bookings made through American Express Travel earn 5X Membership Rewards® Points; and all other eligible purchases earn 1X point.
  • Welcome bonus: During the first six months of your new card membership, spend $8,000 on purchases to earn 80,000 Membership Rewards® Points. Apply and choose between the traditional Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu metal card designs.

  • Annual fee

    $695

  • Intro APR

    None

  • Regular APR

    See Pay Over Time APR

  • Balance transfer fee

    N/A

  • Foreign transaction fee

    None

  • Credit Needed

    Excellent/Good

  • Seerates and fees, terms apply.

Read our The Platinum Card® from American Express review.

  • Up to $200 in annual airline fee credits
  • $200 Uber Cash: Every year, take advantage of Uber VIP status and up to $200 in Uber savings on US rides or food orders. Only holders of Basic Cards are eligible for Uber Cash and Uber VIP status. Terms Apply.
  • When you pay with your Platinum Card® for prepaid Fine Hotels Resorts® or The Hotel Collection bookings through American Express Travel, you can receive up to $200 back in statement credits annually. These bookings require a minimum two-night stay.
  • $240 Digital Entertainment Credit: Redeem your Platinum Card® for eligible purchases made at any of the following retailers: Disney, Disney Bundle, ESPN, Hulu, The New York Times, Peacock, and The Wall Street Journal. You can receive up to $20 back in statement credits each month. Enrollment required.
  • $155 Walmart Credit: Pay for a monthly Walmart membership (subject to auto-renewal) with your Platinum Card® to get a statement credit equal to the full monthly cost. $12. 95 plus applicable taxes. Plus Up Benefits not eligible.
  • $695 annual fee
  • No special financing offers on new purchases
  • Walmart+: Up to $155 annually (Subject to auto renewel)
  • Saks Fifth Avenue: Up to $100 annually*
  • Equinox: Up to $300 annually*
  • Select digital entertainment services: Up to $240 annually*
  • Airline fees: Up to $200 annually
  • Programs for trusted travelers: up to $189 per year for CLEAR® Plus, up to $100 for Global Entry every four years, or up to $85 every four years 5 years for TSA PreCheck.
  • Uber: Up to $200 per year (Basic Card Members only have access to Uber Cash and Uber VIP status). ).
  • Hotels (Excellent Hotels)

It won’t be difficult to pay off the cost of maintaining the card if you spend in just half of these categories and make the most of the credits.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Credit score needed for the Amex Platinum card

To qualify for The American Express Platinum Card®, youll usually need a good to excellent credit score.

One of the most widely used credit scores, the FICO® Score divides credit scores into the following categories:

  • Very poor: 300 to 579
  • Fair: 580 to 669
  • Good: 670 to 739
  • Very good: 740 to 799
  • Excellent: 800 to 850

To give yourself the best chance of being approved, youll want a credit score of at least 670. However, having a pristine credit score doesnt guarantee your approval. Amex considers other factors, such as your income and history with Amex.

There are additional restrictions on qualifying for the Amex Platinum cards welcome bonus offer. If you currently hold or have held The American Express Platinum card in the past, you might not be eligible for the intro bonus.

  • The Platinum Card® from American Express Exclusively for Charles Schwab
  • The Platinum Card® from American Express Exclusively for Morgan Stanley
  • Previous versions of these Cards

If you are not eligible for the bonus, Amex will notify you during the application process through a pop-up window before you submit the application. If Amex rejects your application, you might want to contact their reconsideration line to see if there is anything you can do to make the application process go differently.

Examine offers in our credit card marketplace to find the ideal credit card for you, or use CardMatchTM to receive customized offers.

How To Get APPROVED For The American Express Platinum Card!!

FAQ

How does someone get a platinum card?

While there is no set score needed, we recommend you have a credit score of at least 670, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the Amex Platinum card.

Is it hard to get a platinum Card?

To be eligible for the Amex Platinum Card® you’ll typically need a good to excellent credit score. This makes it one of the more difficult cards to be approved for.

Who is eligible for platinum credit card?

To get an ICICI Bank Instant Platinum Credit Card, all you need is a valid Fixed Deposit with ICICI Bank. The minimum Fixed Deposit amount is ₹ 50,000. The minimum tenure of the Fixed Deposit has to be 180 days.

How much money do you need to have a platinum card?

If you make nearly $100,000 a year and have good credit, you should have no issue getting approved. However, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.

How can I use my Platinum Card® Benefits?

See how you can use your Platinum Card® benefits to make the most of your trip. Stay on top of things, keep control of your account, and access digital tools all within the American Express App. Keep tabs on your account activity with fraud, payment, and purchase notifications. Find offers nearby from brands you love and add to your Card instantly.

How do I get a Platinum card from American Express?

The iconic Platinum Card ️ from American Express has been reimagined through the lens of world-renowned artists Kehinde Wiley and Julie Mehretu. Confirm in a few taps, in the Amex App or online. You can both get rewarded once approved.

Do I need to enroll in a Platinum Card?

Enrollment is required. Compared to other cards that offer airline fee or travel credits, the Platinum card’s terms are limited. For instance, you must specify one eligible U.S. airline each year with which to use the benefit ahead of time, and the credit doesn’t cover airfare.

What are the different types of platinum cards?

The Platinum card you thought you were familiar with actually comes in four different versions: The Platinum Card® from American Express (Terms apply. See rates & fees) The Platinum Card® from American Express exclusively for Morgan Stanley * The Business Platinum Card® from American Express (Terms apply. See rates & fees)

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