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The American Express Platinum Card®, also known as Amex Platinum, is one of the best travel cards available today. , Saks Fifth Avenue, The New York Times and others.
However, there are a few things you should be aware of before applying for an Amex Platinum credit card. First, it has an annual fee of $695. Amex Platinum is a premium card that offers cardholders top-tier benefits, including a $200 annual airline commission credit, but be prepared to pay one of the highest annual fees in the industry before you can access to these elevated privileges.
Secondly, you will need a good credit score. Our research shows that American Express is more likely to approve your Amex Platinum card if you have a good or excellent credit history.
What credit score is required for Amex Platinum?
Under the FICO credit scoring model, anyone with a score of 670 to 739 has a good credit history, anyone with a score of 740 to 799 has a very good credit history, and anyone with a score of 800 or higher has exceptional creditworthiness.
If you haven’t built a good credit history yet, you can delay applying for Amex Platinum.
What if my application is rejected?
If you don’t have the credit score required for a Platinum card, you have options. Start by asking what you can do to improve your credit score – for example, do you need to use a balance transfer card to consolidate and pay off existing card debt?
You may want to consider applying for another American Express credit card, especially if you want to start earning Membership Rewards points while building up your credit score.
Adding a new credit card to your wallet may improve your credit score by increasing the amount of credit available to you, but the app itself may lower your credit score by a few points as Amex will carefully query your credit report.
If you’re thinking about applying for Amex Platinum or any other credit card, it’s a good idea to use a service like CardMatch to see if you prequalify. Using CardMatch won’t hurt your credit and you may even be eligible for special introductory offers.
How can I improve my credit score to get this card? (H3)
If you want to build the credit score required for your American Express Platinum card, here are a few tips to help you:
If you want to build good credit, the best thing you can do is use your current credit cards responsibly. Make timely payments, don’t take on debt you can’t repay, and don’t ask for too many new loans in a short period of time. These kinds of positive credit habits will make you a better candidate for a range of premium credit cards like Amex Platinum.
bottom line
We recommend that you have good or excellent credit before applying for an Amex Platinum card. This means that your FICO credit score must be between 670 and 850. If your credit isn’t there yet, try upgrading your credit score before you apply.
Once you’ve been approved for Amex Platinum, don’t forget to take advantage of all the benefits this luxury travel credit card has to offer. Find out how far your American Express Platinum card can go when you start using Membership Rewards points and credits.
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The editorial content on this page is based solely on the objective judgment of our contributors and is not based on advertising. It was not provided or ordered by credit card issuers. However, we may receive compensation when you click on links to our partners’ products.