Introduction to the American Express Platinum Card

Credit score needed for the American Express Platinum card

People with good or excellent credit are more likely to be approved for this luxury travel credit card


What credit score is needed for the American Express Platinum Card? In most cases, you have a better chance of approval with a FICO credit score between 670 and 850.

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The Platinum Card® from American Express, also known as the Amex Platinum, is one of today’s best travel cards – and even if you aren’t a frequent flyer, you can still take advantage of Platinum card benefits like credits for Uber Cash, Equinox, Saks Fifth Avenue, The New York Times and more.

However, you should be aware of a few things before you apply for the Amex Platinum credit card. First, it has a $695 annual fee. The Platinum card is a premium card that offers top-level benefits to cardholders, including an annual $200 airline fee credit – but you’re going to need to be prepared to pay one of the highest annual fees in the industry before you can access the Amex Platinum’s elevated cardholder perks.

Second, you’re going to need an elevated credit score. Our research indicates that American Express is more likely to approve you for the Amex Platinum card if you have good credit or excellent credit.

What credit score do I need to get the Amex Platinum?

In most cases, you’ll want to have good or excellent credit before you apply for the Amex Platinum. Under the FICO credit scoring model, anyone with a score of 670 to 739 has good credit, anyone with a score of 740 to 799 has very good credit and anyone with an 800 or higher has exceptional credit.

While every application is evaluated on an individual basis, our research has shown that people with good or excellent credit are more likely to be approved for the Amex Platinum. If you haven’t yet built a good credit history, you might want to hold off on your American Express Platinum card application.

How can I improve my credit score to get the Amex Platinum?

If you’re hoping to build the credit score required for the American Express Platinum card, here are some tips to help you improve your credit score quickly:

If you want to build good credit, the best thing you can do is to use your current credit cards responsibly. Make on-time payments, don’t take out debts you can’t pay off and don’t apply for too much new credit within a short period of time. Those kinds of positive credit habits will make you a better candidate for premium credit cards like the Amex Platinum.

What should I do if Amex declines my application?

If you don’t have the credit score needed for the Platinum card, you have options. Start by asking yourself what you can do to improve your credit score – do you need to use a balance transfer credit card to consolidate and pay off existing card debt, for example?

You might consider applying for a different American Express credit card, especially if you want to start earning Membership Rewards points while you build your credit score to the point where Amex is more likely to approve your Platinum card application. Adding a new credit card to your wallet can improve your credit score by increasing the amount of credit available to you — but the application itself could drop your credit score by a few points since Amex will perform a hard inquiry on your credit report.

If you’re thinking about applying for the American Express Platinum card – or any other credit card – it’s a good idea to use a service like CardMatch to find out if you prequalify. Using CardMatch to determine whether Amex is likely to accept your Platinum application won’t hurt your credit, and you might even be eligible for special introductory offers.

Final thoughts

We recommend having good or excellent credit before you apply for the Amex Platinum card. That means your FICO credit score should be between 670 and 850. If your credit isn’t there yet, try boosting your credit score before you apply. In most cases, making on-time payments and paying off your credit card balances should improve your score relatively quickly.

Once you’re approved for the Amex Platinum, be sure to take advantage of every benefit this luxury travel credit card offers. Start with our list of six things to do after you get accepted for the Amex Platinum, which will help you get a head start on earning Membership Rewards points and maximizing your benefits. Once you start redeeming your Membership Rewards points and your credits, you’ll see just how far your American Express Platinum card can take you.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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