Exploring the Application Process for the American Express Platinum Card
The American Express Platinum card stands out as the quintessential choice from the brand, establishing itself as a top-tier option for everyday spending; apply today.
Key Points to Consider Before Applying for the American Express Platinum Card
The American Express Platinum card presents an exciting offer of 150,000 Membership Rewards points for new users, along with generous travel rewards!
The Platinum card embodies the classic American Express experience, offering numerous premium perks for its holders.
A standout feature is the welcome bonus of 150,000 Membership Rewards points for new cardholders who spend a minimum of $8,000 within the first six months.
This card offers 5x points on flights booked directly through airlines, applicable up to $500,000 in purchases annually, plus the same for prepaid hotels. All other purchases earn 1x points.
Regarding expenses, the card comes with a hefty annual fee of $695, but it waives foreign transaction fees for international spending.
When it comes to travel perks, this card offers a wide array of benefits, such as:
- Custom itineraries and suggestions
- Fine Hotels+ Program across 1,500+ properties
- International airline program with reduced rates
- $200 in Uber Cash annually
In conclusion, the Platinum card offers extensive benefits, and you can continue exploring more.
Eligibility Criteria
According to Amex standards, applicants must fulfill specific basic requirements, including being at least 18 years of age, as it is not available to anyone younger.
Moreover, compliance with U.S. laws is crucial, which entails having valid and accepted official documents.
For creditworthiness, Amex suggests having a good to excellent credit score, ideally over 700, to improve the likelihood of approval.
A stable monthly income is also highlighted as a key factor in obtaining credit approval and enhancing chances of success.
Notably, Amex does not require applicants to have any other brand products to apply for this card.
How to Apply for the American Express Platinum Card?
The Amex site includes a user-friendly ‘Apply Now’ button that efficiently directs users to the application form.
Current Amex customers can quickly access their accounts through a direct login option using their username and password.
In the application, users need to provide personal information including their full name, birth date, desired card name, complete address, email, phone number, and social security number.
Additionally, applicants must provide income details, including employment status (such as employed, business owner, retired, or beneficiary), yearly income, and optionally, post-tax income.
Amex offers a chat option on the form page, allowing users to interact with a virtual assistant for help, or they can reach out through Amex’s customer service.
Once the application is submitted, Amex will perform a credit check and notify the applicant with either an approval or denial.
It’s important to understand that applying for the card usually does not affect the applicant’s credit score, even if the application is denied. However, American Express may restrict applications based on availability.
Therefore, fulfilling the basic requirements set by the brand does not assure approval.
Additional Information
When it comes to shopping and entertainment, the Platinum card provides up to $20 monthly credits for Disney+ purchases.
For Walmart+, users enjoy credits on their monthly statement and exclusive offers from brands like Saks, Equinox, SoulCycle, and Resy.
Additional perks include purchase protection up to $50,000 annually, return protection, and priority access to select events.
You have the ability to personalize the card’s design, choosing from options such as Classic Platinum and Art X featuring masterpieces by Kehinde Wiley and Julie Mehretu.
The Plan It feature is a key advantage of Amex cards, enabling you to spread purchases across multiple months.
Additionally, the Send & Split feature allows you to transfer money via Amex, while offering cell phone coverage up to $800 per claim, a $50 deductible, the American Express app, a year-end summary, and extra Platinum cards.
Interested in another choice?
The Green Card is an option from American Express that has a more affordable monthly fee compared to the Platinum, yet it still provides extensive benefits.
Nevertheless, this does not imply that the criteria for selection vary significantly. You can check out how to apply.
