What’s the Process for Applying for the American Express Platinum Card?
The American Express Platinum card stands out as the quintessential offering from the brand, renowned for its status as a top-tier choice for daily transactions; apply today.
Key Insights Before Applying for the American Express Platinum Card
The classic American Express Platinum card entices new cardholders with a reward of 150,000 Membership Rewards points and exceptional travel benefits!
CREDIT CARD
AMEX Platinum
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The Platinum card represents the quintessential American Express offering, featuring a plethora of exclusive advantages for its users.
New cardholders can enjoy a welcome bonus of 150,000 Membership Rewards points after spending a minimum of $8,000 within the first six months.
Cardholders can earn 5x points on flights booked directly with airlines, up to $500,000 in purchases annually, and the same applies for prepaid hotel bookings. For other purchases, it’s 1x points.
The card comes with a hefty annual fee of $695, but it waives foreign transaction fees for international spending.
This card offers a broad array of travel perks, including:
- Tailored itineraries and suggestions
- Fine Hotels+ program at 1,500+ locations
- International airline program with discounts
- $200 in annual Uber Cash credits
Overall, the Platinum card is exceptionally well-rounded, and you can continue exploring its features.
Eligibility Criteria
According to Amex guidelines, applicants need to fulfill specific requirements to be eligible for the card, including being at least 18 years old.
Moreover, compliance with U.S. regulations is crucial, requiring valid official documentation.
For a better chance of approval, Amex suggests having a good to excellent credit score, ideally above 700.
Additionally, maintaining a steady monthly income is vital for securing credit and improving approval chances.
It’s important to highlight that Amex does not require applicants to already have a product from their brand when applying for this card.
How to Apply for the American Express Platinum Card?
The Amex site features a user-friendly ‘Apply Now’ button that easily directs users to the application form.
Current Amex users can quickly log in with their username and password for easy access.
The application form asks for personal information, such as your full name, birth date, preferred card name, home address, email, phone number, and social security number.
Additionally, applicants need to provide income information, including employment status (employed, business owner, retired, or beneficiary), annual income, and possibly post-tax income.
Amex includes a chat option on the application page, allowing customers to connect with a virtual assistant for help. They can also reach out through Amex’s customer service.
After you submit the application, Amex will perform a credit check and provide either an approval or denial response.
It’s essential to understand that applying for this card usually won’t affect the applicant’s credit score, even in case of denial. However, American Express may limit applications depending on availability.
Therefore, fulfilling the basic requirements set by the brand does not ensure approval.
CREDIT CARD
AMEX Platinum
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Additional Information
Regarding shopping and entertainment, the Platinum card offers monthly credits of up to $20 for Disney+ purchases.
For Walmart+, users can enjoy a credit on their statement, along with exclusive deals at places like Saks, Equinox, SoulCycle, and Resy.
Additional perks include purchase protection for up to $50,000 each year, return protection, and preferred access to select events.
You can even tailor the card’s design, choosing from options like Classic Platinum, Art X with pieces by Kehinde Wiley, and Art X showcasing works by Julie Mehretu.
The Plan It feature is a key advantage of Amex cards, letting you spread purchases over multiple months.
Additionally, the Send & Split system allows for money transfers via Amex, offering cell phone coverage up to $800 per claim with a $50 deductible, along with the American Express app, year-end summaries, and extra Platinum cards.
Interested in another option?
The Green Card is an option from American Express that comes with a lower monthly fee than the Platinum but still provides solid benefits.
That said, the criteria for selection aren’t that distinct. Either way, you can find out how to apply.
