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The Platinum Card® from American Express is an “elite” travel credit card with the possibility of earning up to 125k bonus points. Because of that, many readers want to know what credit score is required to be approved for the Platinum Card from American Express. Even though the Amex Platinum card has some of the best benefits, it isn’t reserved only for travelers with the best American Express credit score. You may even be surprised at what credit score is needed.

Plus, new cardmembers can earn 75,000 bonus Membership Rewards® Points after spending $5,000 on purchases in the first 6 months of account opening. Cardholders also earn 10x points on eligible purchases at U.S. gas stations and U.S. supermarkets, up to $15,000 in combined purchases, during your first 6 months of card membership. You don’t want to miss out on this welcome bonus. Also, you might be able to get 100,000 bonus points through the CardMatch™ tool.

The Amex Platinum does have a high annual fee, so you can compare it to the lower annual fee Amex Gold here: Johnny Jet Recommended Credit Cards. And you can compare the Platinum with the Chase Sapphire Preferred as well here. 

What credit score is needed for the American Express Platinum? Photo by American Express

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.

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. The Platinum Card is one of the best American Express credit cards to have in your wallet so it’s somewhat understandable that the required credit score may be higher.

Also, you might be able to get 100,000 bonus points through the CardMatch™ tool.

Related: What Is Credit Card Pre-Approval?

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.

For those that don’t mind the $550 annual fee (See Rates & Fees) on the Amex Platinum card but don’t want an Amex card, the Chase Sapphire Reserve® is a good premium travel rewards credit card option. You get a $300 travel credit, 3x points for travel (immediately after earning the $300 travel credit) and dining, passes to airport lounges, and a fee credit for TSA PreCheck or Global Entry. This card is full of Visa Sapphire Reserve benefits as well. You will need an excellent credit score for this card.

Here are a few other highlights of The Platinum Card® from American Express that you can enjoy.

Related: Best Premium Credit Cards

Welcome Bonus for the Amex Platinum

New cardmembers can earn 75,000 bonus Membership Rewards® Points after spending $5,000 on purchases in the first 6 months of account opening. Cardholders also earn 10x points on eligible purchases at U.S. gas stations and U.S. supermarkets, up to $15,000 in combined purchases, during your first 6 months of card membership.

Learn more: Johnny Jet Recommended Credit Cards

This bonus can be worth $750 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 welcome offers from other American Express credit cards.

Also, you might be able to get 100,000 bonus points through the CardMatch™ tool from creditcards.com.

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. Below are all the ways you can earn Membership Rewards points.

  • 5x points per $1 spent on airline purchases directly from the carrier or using Amex Travel. Starting January 1, 2021, earn 5x points on up to $500,000 on these purchases per calendar year.
  • 5x points per $1 on all hotel stays reserved on Amex Travel
  • 1x point per $1 on all remaining purchases

Additionally, to help cardholders during the coronavirus pandemic, American Express has added bonus categories that can earn more rewards on common purchases.

Related: Credit Card Perks Extended Due To Coronavirus

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 is good for baggage fees and more at one qualifying airline, and benefits worth $550 at Fine Hotels & Resorts.

If you’re a user of ridesharing apps (particularly useful while traveling), you can enjoy Uber VIP status and get free rides, up to $15 per month ($20 in December) for rides in the U.S. This is worth up to $200 in savings annually for rides and eats. Cardholders also get $100 in statement credits for Saks Fifth Avenue purchases (enrollment required).

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.

Learn more: Johnny Jet Recommended Credit Cards

Summary on the Credit Score Needed for Amex Platinum

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 American Express credit score data used in this post have been provided by Credit Karma.

Also, you might be able to get 100,000 bonus points through the CardMatch™ tool from creditcards.com.

Related Posts:

For rates and fees of The Platinum Card® from American Express, please click here.

Johnny Jet Editorial
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4 Comments On "What Credit Score Is Needed For The American Express Platinum?"
  1. P v seshareddy|

    I want platinum card how can I apply

    1. Johnny Jet Editorial|

      Here’s the Amex Platinum link: The Platinum Card® from American Express

  2. johnny efferson|

    how to get an amex invite?

    1. Johnny Jet Editorial|

      You can log into your Amex.com account or apply via the link on our website.

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