Johnny Jet Editorial March 10, 2023
The Johnny Jet Editorial team writes about airline miles, travel credit card reviews, and travel news.
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The Amex Platinum credit card can be a traveler’s best friend, thanks to the airport lounge access, transfer partners, and brand partnership perks, including a digital entertainment credit. Because it is so valuable (worth over $1,400 in benefits), many readers want to know the credit score required to be approved for the Platinum Card from American Express. You may be happy to know that even though the Amex Platinum card has some of the best benefits, it isn’t reserved only for travelers with the best credit score. You may even be surprised at what credit score is needed!
Also, there’s a way to see if you may be eligible for a bigger 100,000 or 150,000 point offer on Platinum Card® from American Express. You will need to use the Credit Cards CardMatch™ tool to see if you qualify.
Learn more: CardMatch™
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
One of the many reasons to get the Platinum Card is its incredible bonus.
New The Platinum Card® from American Express cardmembers can earn 80,000 Membership Rewards® points after spending $6,000 on purchases on their new Card in the first 6 months of Card Membership. Plus, they can apply and select their preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Learn more: Johnny Jet Recommended Credit Cards
The Credit Score Needed for the American Express Platinum
To apply for The Platinum Card® from American Express, you need to have a good or excellent credit score. This means you need a credit score of at least 700. The average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643. Check out some of the best places to get a free credit score if you don’t know what your credit score is.
Several variables can affect American Express’s decision to approve your application. It can depend on your current income, debt-to-income ratio, and previous credit card history.
Keep in mind that if you have received a bonus offer for the Amex Platinum in the past, you will not qualify for future offers. But you can qualify for welcome offers from other American Express credit cards.
The American Express Platinum is ideal for frequent fliers. In fact, this card is the quickest way to earn miles from plane ticket purchases. Below are all the ways you can earn Membership Rewards® points.
- Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel, up to $500,000 on these purchases per calendar year, and earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- 1x Membership Rewards® points per $1 on all remaining purchases
- Terms apply
Plus, American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
Other Platinum Card from American Express Benefits
You will also enjoy the additional travel benefits that many frequent travelers love from this metal credit card. Cardholders get access to the Global Lounge Collection, up to $200 in annual airline fee statement credits that are good for baggage fees and more at one qualifying airline (in the form of statement credits, enrollment required). Terms apply.
Cardholders can get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when paying with their Platinum Card®.
Cardholders also get $100 in statement credits for Saks Fifth Avenue purchases (enrollment required).
There’s also a digital entertainment credit. Cardholders can get up to $20 in statement credits each month when they pay for eligible purchases with the Platinum Card® at their choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
In addition to enjoying TSA PreCheck or Global Entry access, cardholders can also enjoy CLEAR perks. Cardholders can use their Card and get up to $189 back per year on their CLEAR® membership. Terms apply.
Another exciting benefit is the ability for cardholders to get up to $300 back per calendar year on the Equinox+ digital fitness app or eligible Equinox club memberships when they pay with their Platinum Card. Enrollment required.
Additionally, there is a $155 Walmart+ credit to enjoy. This covers the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
If you travel frequently and can take advantage of the perks, the Platinum Card will be valuable to you. Enrollment may be required. Terms apply.
Learn more: Johnny Jet Recommended Credit Cards
How Hard is it to Get the American Express Platinum?
If you have the credit score needed for The Platinum Card® from American Express, you will enjoy some of the best travel rewards when you are approved.
Additionally, if you have a credit score in the upper 600s or low 700s but have a decent credit history, your odds of getting approved are higher. The Platinum Card is one of the best American Express credit cards. So, it’s somewhat understandable that the required credit score may be higher.
For those who find the $695 annual fee (See Rates & Fees) to be exorbitant but still want a premium card, the Chase Sapphire Reserve® is a good travel rewards credit card option.
You get an annual $300 travel credit, passes to airport lounges, and a TSA PreCheck or Global Entry fee credit.
Chase Sapphire Reserve® purchases earn up to 10x Ultimate Rewards. Cardholders can earn unlimited:
- 10x total points on hotels and car rental purchases through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 10x total points on Chase Dining purchases with Ultimate Rewards
- 5x total points on flights when you purchase travel through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually)
- 3x points on other travel worldwide (after the first $300 is spent on travel purchases annually)
- 3x points on other dining at restaurants, including eligible delivery services, takeout, and dining out
- 1x points for all remaining purchases
You will not receive rewards points on your first $300 in annual travel purchases as the annual travel statement credit reimburses these purchases.
The Sapphire Reserve benefits are quite swell. However, you will need an excellent credit score for this card.
New Chase Sapphire Reserve® cardholders can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when redeemed through Chase Ultimate Rewards®.
Related: Best Premium Credit Cards
In conclusion, the Platinum Card from American Express is an excellent option to earn the most rewards from flying. The most valuable benefits are for frequent fliers. Additionally, the credit score needed for the American Express Platinum might not be as high as you expected. However, provided you have a good or excellent score, it can be well worth your time to apply.
All American Express credit score data used in this post have been provided by Credit Karma.
- Chase Sapphire Reserve vs Amex Platinum
- Best Credit Cards for Domestic Travel
- Credit Card Benefits To Help During Coronavirus
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.
For rates and fees of The Platinum Card® from American Express, please click here.
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
7 Comments On "What Credit Score Is Needed For The American Express Platinum?"
P v seshareddy|
July 4, 2019 at 4:07 am | Reply(Video) Minimum Credit Score To Be Approved For Each Amex Card
I want platinum card how can I apply
Johnny Jet Editorial|
July 4, 2019 at 1:07 pm | Reply
Here’s the Amex Platinum link: The Platinum Card® from American Express
August 12, 2019 at 3:08 pm | Reply
how to get an amex invite?
Johnny Jet Editorial|
August 13, 2019 at 7:08 am | Reply
You can log into your Amex.com account or apply via the link on our website.(Video) How Do Charge Cards Affect Your Credit Score?
July 21, 2021 at 7:07 am | Reply
I have been with American Express Member since 83 Love the card
July 6, 2022 at 8:07 am | Reply
No one likes a bragger
R M TIWARY|
December 8, 2022 at 12:12 pm | Reply
Dear P V Seshareddy,
How are you good sir? To consider you for an Amex platinum, I would first need to know what is your level of luxury? How much of your luxuries will be purchased with your platinum card per annum?
If your luxury level is medium or higher, and a good percentage of your luxury spending is with your future Amex platinum card (at least 1-2 crore rupee per year, otherwise silly to try you would be, my friend!)
Leave a Reply
OUR FAVORITE PARTNER CARDS
Chase Sapphire Preferred® Card
60,000 points bonus, 3x points on dining, $50 annual hotel credit. Terms apply.
Citi Premier® Card
60,000 bonus points. Plus, 3x points on gas and $100 annual hotel savings. Terms apply.
Capital One Venture Rewards Credit Card
75,000 bonus miles, at least 2x miles on everything. Terms apply.
The Platinum Card® from American Express
80,000 points bonus, 5x points on select travel. Terms apply.
Is it hard to get approved for an Amex platinum card? ›
Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have at least good credit and make a lot of money, you have a decent shot at getting approved.What income level for Amex Platinum? ›
Annual income of $100,000 or more. Aged 18 years or over.Who usually gets approved for Amex Platinum? ›
If you have a solid annual income, a good credit score, and a few years' worth of great credit history, you stand a solid chance of being approved for either the Amex Platinum card or the Amex Business Platinum card.Which FICO score does American Express use? ›
We believe everyone should know their credit score and have the tools to understand it better. That's why we're giving you VantageScore® 3.0 by TransUnion®, and the key factors that affect your score for free, even if you are not an American Express® Card Member.Whats the highest credit limit on an Amex Platinum? ›
The Platinum Card® from American Express has no preset spending limit, so the sky's the limit on this card. However, as a charge card, Amex expects you to pay your entire credit card debt every month. The card charges a high annual fee to offset its many benefits and rewards.Is American Express Platinum a luxury card? ›
Our quick take: The Platinum Card® from American Express is the king of luxury rewards travel cards, perfect for demanding travelers who place a high degree of value on perks like lounge access and complimentary elite status.Is Amex Platinum for millionaires? ›
Is Amex platinum only for rich people? No,. American Express is not specifically for rich people, even though it does have a high level of status in many people's minds. Applicants need good or excellent credit scores of 700+ to qualify for Amex credit cards, and you don't need to be rich to have a good credit score.How do I check my Amex Platinum credit limit? ›
You can Log on to Online Services to access information on your Card account, including your credit limit information or check your available credit limit on the Amex App. You may also refer to your account statement to check the credit limit on your Credit card.What is the highest Amex card? ›
The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. It is reportedly reserved for people who spend at least $100,000 per year, and an invitation is needed to apply.Is American Express Platinum status worth it? ›
Amex Platinum Card - Is It Worth It For The Yearly Fee? The Amex Platinum card is well worth it for frequent travelers who want luxury travel and lifestyle perks, and who can regularly take advantage of the card's premium benefits.
Is platinum Amex better than gold? ›
Is Gold Card Higher Than Platinum? Both Amex Gold and Platinum offer a range of benefits, with the Gold card catering more to everyday spending and the Platinum card designed more for travelers. The Platinum card has more benefits, but it's annual $695 fee is higher than the Gold card's $250 fee.Can I get an Amex card with a 650 credit score? ›
This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.What is the easiest Amex card to get? ›
When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.Which credit bureau is most used American Express? ›
Which Credit Bureau Does American Express Use? American Express appears to primarily pull credit reports from Experian, but this doesn't mean it doesn't occasionally pull from one or both of the other major consumer credit bureaus as well.What is the limit on a 50 000 salary credit card? ›
#1 Your Income/Salary:
Usual credit limit is 2X or 3X of your monthly income. Suppose your salary slip shows Rs. 50,000 per month, you can expect Rs. 1 Lakh – 1.5 Lakh credit limit.
Purchasing a Car With Your AMEX Platinum Card Is an Easy Way to Meet the Minimum Spending Requirement and Earn a Big Bonus! The $20,000 minimum spending requirement on the AMEX Business Platinum card is a lot for most folks to spend in 3 months, which is one reason why buying a car with this card makes sense!What is higher than American Express Platinum Card? ›
The Centurion offers $1,000 yearly doled out as $250 quarterly, while the Platinum card offers $100 yearly given as $50 twice a year. Both cards offer a $189 annual CLEAR® credit, while the Amex Platinum also offers TSA PreCheck/Global Entry credits.Why is American Express Platinum special? ›
On top of the unmatched levels of service and benefits you would expect, like redeeming and earning points and complimentary travel insurance6. American Express Platinum benefits include VIP privileges and travel perks such as a $450 Travel Credit each year2, airport lounge access3 and concierge services.Is Amex Platinum better than black? ›
Bottom Line: The Amex Platinum card has better earning potential than the Mastercard Black card. Membership Rewards points earned on the Amex Platinum card also offer greater potential value at redemption time when transferred to airline and hotel partners.Why is American Express Platinum card special? ›
The Amex Platinum is a premium credit card that offers a welcome bonus, luxury perks, and other value-added services. Cardholders benefit from Uber credits, airfare discounts, bonus points, cashback and much more. Unlike typical credit cards, this card allows you to carry a balance for certain charges, but not all.
Is there a minimum income for Amex Platinum? ›
Salary Needed for Amex Platinum Credit Card
If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, 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.
The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.Does Amex do income verification? ›
While American Express probably won't ask to verify your income, it's not a good idea to lie about your income on an application. In fact, providing false information on a credit card application is against federal law. Therefore, you're much better off being honest when applying for an American Express credit card.Why is my Amex credit limit so low? ›
Amex may decide to lower your card's credit limit if your income is reduced, you make late payments, you miss payments, your credit score drops, you have a high credit utilization ratio, you don't use your card frequently or you've been a victim of identity theft.How do I increase my Amex Platinum limit? ›
You can request a credit limit increase from American Express online or over the phone. To make your request online, log in to your credit card account and select Account Services > Card Management > Increase Your Credit Limit. Or you can call the number on the back of your credit card to request an increase.How much is 100k Amex worth? ›
100,000 American Express points are worth about $670 per our valuations, depending on which American Express credit card you have and what you spend the points on. You will get the best value for your American Express points when you redeem them for Travel, but there are multiple redemption options.How do I get invited to Amex Black? ›
Make at Least $250,000 in Purchases on Your Amex Cards
Although Amex doesn't publish a spending threshold to get invited, a solid rule of thumb is that you need to make at least $250,000 in annual purchases across all of your Amex cards.
Combined with some excellent built-in travel insurance, it easily makes the Amex Platinum Card the best option for booking flights. You'll also earn 5x points per dollar when booking prepaid hotel stays through AmexTravel.com. Otherwise, you'll earn just 1x point per dollar on all other spending.Why is Amex Platinum so expensive? ›
The main reason why Amex cards are so expensive is that many American Express credit cards offer generous rewards rates and high-end perks, which warrant steep annual fees. Amex cards are targeted toward people with good credit and high incomes who are likely to charge large amounts to their cards every month.How do I waive Amex Platinum annual fee? ›
Here's how to get the American Express Platinum card annual fee waived: Call the retention line: You can ask Amex to waive the annual fee by calling (800) 452-3945.
What happens if you don t pay Amex platinum in full? ›
For each following Closing Date that an amount past due remains unpaid, we may charge a fee of the greater of $38 or 2.99% of any past due Pay In Full amounts. Your late fee will not exceed the Amount Due or any limit established by applicable law. Paying late may also result in a penalty APR.
You must pay in full, by the Payment Due Date, all charges that are not added to a Pay Over Time, Cash Advance, or Plan balance. We will begin charging interest on cash advances on the transaction date.How much income required for American Express credit card? ›
However, you must fulfill the minimum annual income criteria for the American Express® credit card you are applying for. In general, you require a minimum income of Rs. 4.5 lakh or above if you are salaried, and Rs. 6 Lakh or above if you are self employed.What is Amex starting credit limit? ›
|Card Name||Minimum Credit Limit|
|Wells Fargo Reflect® Card||$1,000 minimum|
|The Platinum Card® from American Express||No Pre-Set Spending Limit|
|American Express® Gold Card||No Pre-Set Spending Limit|
|Chase Freedom® Student credit card||$500+|
You can borrow as much as $40,000 - $100,000+ with a 650 credit score. The exact amount of money you will get depends on other factors besides your credit score, such as your income, your employment status, the type of loan you get, and even the lender.Can I have 3 Amex cards? ›
In general, you can have multiple Amex Platinum cards, but you'll only be able to earn 1 welcome bonus.What is the minimum credit score that Amex will approve? ›
Michael Battle, WalletHub Credit Card Analyst
The American Express credit score requirement is of at least 700, depending on the card. That means people with good to excellent credit are eligible to get approved for an American Express credit card.
Editorial and user-generated content is not provided, reviewed or endorsed by any company. Yes, American Express does a hard pull for their credit cards. Keep in mind that most American Express credit cards require at least good or excellent credit, depending on the card.Does Amex Platinum affect credit score? ›
Yes, the American Express Platinum card reports to the credit bureaus every month, within days after the cardholder's billing period closes. American Express reports the card's credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.Can you get an Amex with bad credit? ›
Although American Express doesn't specify any minimum credit score requirements, you'll need good credit (or better) to qualify, which means a FICO score of at least 670. A premium Amex card — say, the American Express Gold Card — likely requires a “very good” FICO score, somewhere in the range of 740 and above.
Does American Express improve credit score? ›
American Express can help your credit score if you are the primary accountholder or an authorized user aged 18 or older on an American Express credit card or charge card account. For an Amex card to be good for your credit score, the account must be kept in good standing with on-time monthly bill payments.Is Amex hard to get approved? ›
Yes, it's hard to get an American Express card because they all require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclays and Wells Fargo do too, for example.Is it hard to upgrade Amex gold to platinum? ›
Yes, you can easily upgrade your Amex Gold card to the Amex Platinum card by calling the customer service number on the back of your Amex Gold card or using the chat feature on the American Express website.What is the easiest American Express card to get? ›
When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.Does Amex verify income? ›
They will request tax returns and bank statements. What they're looking for is to make sure the income you reported on the application is true. The process typically takes 2-3 weeks, and you're assigned a specialist to talk to.What is the minimum salary for Amex credit card? ›
However, you must fulfill the minimum annual income criteria for the American Express® credit card you are applying for. In general, you require a minimum income of Rs. 4.5 lakh or above if you are salaried, and Rs. 6 Lakh or above if you are self employed.What does Amex look at for approval? ›
In addition to having good to excellent credit and the rules on how many cards you can have or apply for, American Express will also review credit report information including your payment history and credit utilization. Bottom Line: You will need good to excellent credit to be approved for an Amex card.Does Amex Platinum have a limit? ›
If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise. No preset spending limit means the spending limit is flexible.Does everyone get approved for Amex Platinum? ›
If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, 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.What is higher than American Express Platinum card? ›
The Centurion offers $1,000 yearly doled out as $250 quarterly, while the Platinum card offers $100 yearly given as $50 twice a year. Both cards offer a $189 annual CLEAR® credit, while the Amex Platinum also offers TSA PreCheck/Global Entry credits.
How hard is it to get a black American Express card? ›
While Amex doesn't officially publish the qualifications for the Amex Centurion Card, black cards often require you to have a strong existing relationship with the card issuer. This typically means high spending requirements of upwards of six figures or more each year.Is American Express blue card hard to get? ›
Is the Amex Blue Cash Everyday hard to get? The Amex Blue Cash Everyday card is hard to get because applicants need to have a score of 670 or higher to be approved for the card. However, you'll have a better chance of being approved for the card if you have at least a very good FICO score (740 to 799).