CreditDonkey is a credit card comparison and reviews website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†








November 11, 2019 12:00 PM PT

American Express Platinum Requirements

Read more about The Platinum Card® from American Express, a CreditDonkey advertiser
Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

The Platinum Card® from American Express requires great credit, which usually means 720 or more. However, many can be approved with a lower score. Find out the credit requirements needed.

American Express Platinum is one of the top luxury travel rewards cards. It offers a long list of premium travel perks, including airport lounge access, airline fee credit, concierge, and elite hotel status.

The Platinum Card® from American Express

Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.

Just how hard is it to get? We'll go over credit and income requirements below.

Credit Score Needed for American Express

American Express is known for being more exclusive than other issuers. In general, you'll need a good score in the mid– high 600s to qualify for the basic level AMEX cards.

For the premium cards, such as the AMEX Platinum, it's best if you have an excellent score 720 and above, although lower scores in the mid-600s can be approved as well if you have other strong qualifications.

American Express cards are also separated into credit cards and charge cards. Charge cards (like the Platinum) may actually be easier to qualify for because you're not getting a revolving line of credit. We'll explain more in detail.

AMEX usually pulls your credit report from Experian. So, know this score before applying to AMEX cards.

What is the easiest American Express card to get approved for?
The easiest AMEX card to get approved for is the AMEX Green Card. It's a lower-tier charge card. You just need good credit to qualify. For credit cards, the Blue Cash Everyday and AMEX Everyday are basic cards with easier approval requirements.

How Hard Is It to Get an AMEX Platinum Card

Getting approved for the American Express Platinum may not be as hard as you think. While having a high credit score will definitely increase your odds, because it's a charge card, approval may not be as strict as for a credit card.

If you have poorer credit in the 600s, you may be approved if you:

  • Have a history of making on-time full payments
  • Have high income and steady job history
  • Have an existing relationship with American Express
  • Don't have too many new accounts and inquiries

Many users have reported being approved with scores in the mid-600s.

However, if your credit is bad (below 600), the chances of getting approved will most likely be slim to none. It's best that you first work on improving your credit score.

American Express Gold Card may be a bit easier to qualify for than AMEX Platinum. It's also a premium charge card aimed towards travelers, but has a smaller annual fee (See Rates & Fees). In general, it's best if you have a credit score of 700 or above. But scores in the 600s can be approved too if you have strong credit history or good income.

American Express Platinum Credit Limit

AMEX Platinum is a charge card, which means there's no official pre-set credit limit. That does not mean there is unlimited spending. Instead, your purchasing power adjusts over time based on factors such as your use of the card, your payment history, credit record and financial resources known to American Express.

Your balance MUST be paid in full each month. If not, you cannot make new charges to the card. Or if you try to spend too much, AMEX may freeze your card until you first pay off your balance. These restrictions ensure you don't spend more than you can afford.

Because your spending is kept in check, charge cards are easier to qualify for. There's less risk of getting into debt and racking up interest charges.

AMEX Platinum Income Requirements

There is no official income requirement for the Platinum card. But AMEX will consider your income to make sure you can support the high $550 annual fee (See Rates & Fees), particularly if your credit score is lower.

Most Platinum cardholders have higher incomes in the six digits. However, those with lower incomes of around $50,000 have reported being approved too.

Since your spending limit is based on your ability to pay in full, you don't necessarily need a super high income to qualify. If you have a lower income, make sure you have a strong positive credit history to balance that out.

How Charge Cards Affect Credit Score

Credit utilization makes up for 30% of your credit score. This is how much credit you're using compared to how much you're given.

But charge cards don't have a pre-set credit limit, so do they affect your credit score? In this case, your usage does not get calculated into your credit utilization. So a high balance on your charge card won't negatively affect your credit score.

However, charge cards will still be factored into your:

  • Payment history
  • Total open accounts
  • Types of credit
  • Length of credit history

All these have an impact to your credit score. For example, if you haven't been paying your charge card on time, it will ding your score.

Bottom Line

The AMEX Platinum is a luxury credit card targeted towards high spenders and frequent travelers. However, because it's a charge card, the approval requirements may not be as strict as you imagine. If you have a strong payment history and good income, there's a good chance you could be approved for the card.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on November 11, 2019. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check American Express website for updated information.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

For rates and fees of the Blue Cash Everyday card, please click here.
For rates and fees of the American Express Platinum card, please click here.
For rates and fees of the American Express Gold card, please click here.
For rates and fees of the American Express Green card, please click here.

Disclaimer: The information for the Amex EveryDay® Credit Card from American Express has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:


American Express Platinum Review: Is It Worth It?


American Express Platinum Benefits


American Express Platinum Credit Score

More Articles in Tips

The Platinum Card from American Express
Apply for The Platinum Card from American Express
At American Express' Secure Site
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint RewardsNo Pre-Set Spending LimitConciergeEventsCar Rental Insurance Extended WarrantyPurchase ProtectionReturn Protection$0 Fraud LiabilityIdentity Theft Assistance
Card TypeAnnual Fee
Personal Charge Card
$550

Compare American Express Platinum to:

Compare AMEX Platinum vs American Express Gold

American Express® Gold Card

Compare AMEX Platinum vs Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Compare AMEX Platinum vs American Express Business Platinum

The Business Platinum® Card from American Express


Blue Cash Everyday Review

If you want a cash back credit card with the same rewards categories year-round, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons.

    Travel Rewards

    Looking for a new travel credit card?

    Credit Card Deals

    Applying for a card with a bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Credit Card Bonus Offers

    Looking for a new credit card? Earn extra cash, reward points, and airline miles with these bonus offers for new customers.

    Credit Card Rewards

    So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?
    Credit Card Promotions

    American Express Credit Card Offers

    American Express now offers promotions for new credit card applicants. But how do you pick which deal is right for you? Read this in-depth guide.
    The Centurion Lounge

    Credit Cards with Airport Lounge Access

    No one likes waiting for their flight to board. Uncomfortable chairs, crowded terminals, overpriced dining options, dying phone with no outlet for charging... you get the point.

    Priceline Flights: What You Need to Know

    Is Priceline good for flights and hotels? Read this guide to find out how the app's Name Your Own Price and Express Deals could save you money.

    JetBlue Baggage Fees

    JetBlue offers straightforward pricing and baggage policies. Here's what you need to know for your next trip.

    Hotwire: What You Need to Know

    Hotwire is the best site for discounts on hotels, flights, and car rentals. Read this to learn how to save money on your next trip.

    American Airlines Baggage Fees

    Planning travel with American Airlines? Learn the luggage fees before you take off to avoid unpleasant surprises. We breakdown how much you'll pay and the best ways to save.

    Delta Credit Card: Which is Right for You?

    Fly Delta? A Delta credit card could give you special perks and earn miles faster. But which one is right for you? We break it down.

    AMEX Gold vs Platinum: Rewards vs Benefits

    The differences between the Gold Card and the Platinum Card are more stark than just metallic colors. Read this in-depth comparison to decide which card from American Express, a CreditDonkey partner, is right for you.

    TSA PreCheck: Beginner's Guide

    TSA PreCheck can get you through airport security in about 5 minutes. See if you qualify and what to expect when you apply.

    Southwest Baggage Fees

    Southwest prides itself on providing customers lots of extras without the extra costs. Here's what you need to know for your next flight on Southwest.

    Delta Sky Club: What You Need to Know

    Who can use Delta Sky Club locations? Read this guide to learn how to get access to this group of premium airport lounges.

    United Baggage Fees

    It's hard to keep up with all the changes around baggage fees. Here's all you need to know about United's baggage fees.

    Alaska Airlines Baggage Fees

    Like most major airlines, Alaska Airlines charges for checked bags - here's what you need to know before you fly.

    Priority Pass: What You Need to Know

    Priority Pass offers access into 1,000+ airport lounges globally. Learn about the different membership levels and how you might get it for free.

    Global Entry: What is it and How to Get it for Free

    Thinking of applying for Global Entry? Here's what you need to know about it, including how you might get it for free and application requirements.

    How to Earn Delta SkyMiles Fast

    You don't need to fly a lot to earn a TON of Delta SkyMiles. Read on for 10+ smart ways to earn Delta miles fast.
More Articles in Tips

Learn more about Travel, Airline and Hotel cards:

Credit Cards for International Travel


Airline Miles for Beginners


Hotel










About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.