Steps to Apply for the American Express Platinum Card
The American Express Platinum card stands as the quintessential choice of the brand, renowned for its status as a top-tier option for daily spending; sign up today!
Essential Insights Before Applying for the American Express Platinum Card
The classic American Express Platinum card presents an alluring bonus of 150,000 Membership Rewards points for new users along with generous travel rewards!
The Platinum card represents the quintessential American Express experience, offering a wealth of exclusive benefits for its holders.
New cardholders can enjoy a welcome bonus of 150,000 Membership Rewards points by spending a minimum of $8,000 within the first 6 months.
The rewards structure includes 5x points on flights booked directly with airlines, up to $500,000 for the year, plus the same for prepaid hotels. All other purchases earn 1x points.
While the card comes with a hefty annual fee of $695, it does not impose foreign transaction fees for international spending.
The card is packed with extensive travel perks, which include:
- Custom itineraries and recommendations
- Fine Hotels+ Program at 1,500+ locations
- International airline program with discounts
- $200 in Uber Cash credit annually
Overall, the Platinum card is indeed quite comprehensive, and there’s more to discover.
Who is Eligible to Apply?
According to Amex regulations, applicants must fulfill specific criteria to qualify for the card, including being at least 18 years old, as those under this age cannot apply.
Moreover, compliance with U.S. laws is crucial, which requires possessing valid and proper documentation.
Regarding creditworthiness, Amex advises having a good or excellent credit score, ideally above 700, to improve chances of approval.
A stable monthly income is also highlighted as a key factor in gaining credit approval and enhancing your chances.
It’s important to mention that Amex doesn’t require customers to hold any other product from the brand to apply for this card.
How to Apply for the American Express Platinum Card?
The Amex site features an easy-to-use ‘Apply Now’ button that effectively directs users to the application form.
Current Amex customers can log in directly for quick access using their username and password.
Applicants are asked to provide personal information in the form, such as their full name, date of birth, desired card name, complete home address, email, phone number, and social security number.
Additionally, details about income are required, including employment status (whether employed, self-employed, retired, or a beneficiary), annual income, and optionally, post-tax income.
Amex offers a chat feature on the application page, allowing customers to interact with a virtual assistant for help. They can also reach out through Amex’s customer service options.
After submission, Amex performs a credit check and provides either a positive or negative outcome.
It’s essential to understand that applying for the card usually doesn’t affect the applicant’s credit score, even if they are denied. However, American Express might restrict applications based on availability.
Consequently, fulfilling the brand’s basic criteria does not ensure approval.
Additional Information
Regarding shopping and entertainment, the Platinum card provides monthly credits of up to $20 for Disney+ purchases.
For Walmart+, cardholders receive statement credits and exclusive offers with retailers like Saks, Equinox, SoulCycle, and Resy.
Other advantages include purchase protection of up to $50,000 per year, return protection, and preferred access to select events.
You can easily tailor the card’s look, choosing from options like Classic Platinum, or Art X featuring the talents of Kehinde Wiley and Julie Mehretu.
The Plan It feature is a major advantage of Amex cards, allowing you to spread purchases over several months.
Additionally, the Send & Split system facilitates money transfers via Amex, including cell phone insurance of up to $800 per claim with a $50 deductible, access to the American Express app, year-end summaries, and extra Platinum cards.
Interested in another choice?
The Green Card is another option from American Express, offering a lower monthly fee than the Platinum while still providing extensive benefits.
That said, the criteria for selection remain quite similar. Either way, you can find out how to apply.
