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The Platinum Card® from American Express is a popular travel card because of its valuable benefits. This premium 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!

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 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 to learn more.

Welcome Bonus

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.

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.

  • 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.

Learn more: Johnny Jet Recommended Credit Cards

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 (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).

Additional Perks

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.

Alternative Options

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 rentals 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.

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

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Terms apply to American Express benefits and offers. Visit 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.

7 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 account or apply via the link on our website.

  3. James|

    I have been with American Express Member since 83 Love the card

  4. JP|

    No one likes a bragger

  5. R M TIWARY|

    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!)

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