What is the Credit Score Needed for the American Express Platinum?

The American Express Platinum card is an elite travel rewards credit card, so many readers want to know how hard is it to get the American Express Platinum? You might be surprised at what credit score is needed for the American Express Platinum. Even though the Amex Platinum card has some of the best travel rewards, it isn’t reserved only for travelers with the best credit score.

What Credit score is needed for American Express Platinum?

The Credit Score Needed for the American Express Platinum

To apply for the American Express Platinum, 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.

There are several variables that can affect American Express’ decision to approve your application. It can depend on your current income, debt-to-income ratio, and your previous credit card history.

How hard is it to get the American Express Platinum card?

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.

How Hard is it to Get the American Express Platinum

If you have the credit score needed for the American Express Platinum, you will enjoy some of the best travel rewards when you are approved.

For those that don’t want to pay the $550 annual fee on the Amex Platinum card, the Premier Rewards Gold is the best option, since its annual fee is waived and it earns 3x on airline purchases and has a $100 airline incidental credit.

Here are a few highlights of what you can enjoy.

Sign-Up Bonus for the Amex Platinum

Earn 60,000 bonus Membership Rewards points after spending $5,000. This bonus can be worth $600 in reward flights and easily offsets the $550 annual fee. Plus, you also get to accumulate points from your purchases to meet the bonus requirements.

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 sign-up offers from other American Express credit cards.

Purchase Rewards

The American Express Platinum is ideal for frequent fliers. In fact, this card is the quickest way to earn miles from plane ticket purchases because you earn five points per $1. Below are all the ways you can earn Membership Rewards points.

  • 5 points per $1 spent on airline purchases directly from carrier or using Amex Travel
  • 5 points per $1 on all hotel stays reserved on Amex Travel
  • 1 point per $1 on all remaining purchases

5x points per $1 on airline purchases with the Amex Platinum

Travel Benefits

You will also enjoy the additional travel benefits that many frequent travelers love as they have unprecedented access to airport lounge networks and receive an annual airline fee credit.

  • $200 annual Uber credit
  • $200 Airline Fee Credit covers baggage fees and other discretionary fees for one airline
  • Complimentary access to the Centurion, International American Express, Delta SkyClub, and Priority Pass Lounge Networks
  • $100 TSA Precheck and Global Entry Application Fee Reimbursement Credit
  • Starwood Preferred Guest Gold status
  • Hilton Honors Gold Status
  • Unlimited Boingo wifi hotspot access

If you travel frequently and can take advantage of the Airline Fee Credit and Uber credits, the Platinum Card from American Express will be really valuable to you.


The Platinum Card from American Express is an excellent option if you want to earn the most rewards from flying. Plus, the most valuable benefits are for frequent fliers. The credit score needed for the American Express Platinum might not be as high as you expected. Provided you have a good or excellent score, it can be well worth your time to apply.


All credit score data used in this post has been provided by Credit Karma. 

Geoff Whitmore

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What is the Credit Score Needed for the American Express Platinum?
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