This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Disclosure, visit this page.

The Platinum Card® from American Express is an elite travel credit card. 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 rewards, it isn’t reserved only for travelers with the best American Express credit score. You might be surprised at what credit score is needed. Let’s take a look.

Another card you may want to consider is the Chase Sapphire Preferred’s since its bonus was just raised to 80,000 points. This is the highest bonus Chase has offered publicly and is worth at least a sweet $1000 in travel or $800 cash.

Learn more: Chase Sapphire Preferred® Card

credit score is needed for the American Express Platinum
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 from

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 (once eligible) 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. 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

Earn 60,000 bonus Membership Rewards points after spending $5,000 in the first 3 months of card membership. 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 welcome offers from other American Express credit cards.

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

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.

  • 5x points per $1 spent on airline purchases directly from the carrier or using Amex Travel
  • 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, a $200 annual airline fee credit 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. 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.

You can see this post on how the Amex Platinum compares with the popular Chase Sapphire Preferred if you’re interested in another popular credit card with a lower annual fee.

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

Related Posts:

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

Johnny Jet Editorial

Chase Sapphire Preferred® Card

  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.

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.

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 account or apply via the link on our website.

Leave a Reply

Required fields are marked *