How do I Apply for the American Express Platinum Card?

What do You Need to Know Before Applying for the American Express Platinum Card

The traditional American Express Platinum card offers the enticing bonus of 150,000 Membership Rewards points for new cardholders and high rewards for travel!

The Platinum card is the most traditional image of American Express lines, boasting a range of premium benefits for cardholders.

The first of these is the welcome offer of 150,000 Membership Rewards points for new cardholders who spend at least $8,000 on purchases in the first 6 months with the card.

The rewards offer 5x points on flights booked directly with airlines up to the limit of $500,000 for purchases in the calendar year, in addition to the same score for prepaid hotels. For all other purchases, the benefit is 1x points.

In terms of costs, the card has a high annual fee of $695, but there is no foreign transaction fee for international purchases.

The card is quite comprehensive in terms of travel benefits, including:

• Personalized itineraries and recommendations
• Fine Hotels+ Program at over 1,500 properties
• An international airline program with lower fares
• $200 annually in Uber Cash credit
  

Thus, the Platinum is truly quite comprehensive, and you can keep reading.

Who can Apply?

As per Amex guidelines, applicants must meet certain basic criteria to apply for the card, including being at least 18 years old, as it’s not accessible to those below this age.

Furthermore, adherence to U.S. regulations is essential, necessitating the possession of valid and compliant official documentation.

In terms of creditworthiness, Amex recommends a good or excellent credit score, ideally above 700 points, to enhance approval prospects.

Having a stable monthly income is also emphasized as a pivotal factor in securing credit access and boosting approval odds.

It’s worth noting that Amex doesn’t mandate customers to hold any other product from the brand to apply for this card.

Learn How to Apply for the American Express Platinum Card?

The Amex platform features an intuitive ‘Apply Now’ button that seamlessly guides users to the application form.

For existing Amex customers, there’s a direct login option for swift access using a username and password.

In the application form, individuals are prompted to furnish personal details, including their full name, date of birth, preferred name on the card, complete home address, email address, phone number, and social security number.

Moreover, income details are necessary, specifying employment status (employed, business owner, retired, or beneficiary), annual income, and optionally, post-tax income.

Amex provides a chat feature on the form page, enabling customers to engage with a virtual assistant for support. Alternatively, they can utilize Amex’s customer service channels.

Upon submission, Amex conducts a credit check and communicates a positive or negative response.

It’s crucial to note that applying for the card typically doesn’t impact the applicant’s credit, even in cases of denial. However, American Express may limit applications based on availability.

Thus, meeting the brand’s basic requirements doesn’t guarantee approval.

More Details

In terms of shopping and entertainment, the Platinum offers credits of up to $20 every month for purchases on Disney+ services.

For Walmart+, the benefits include a credit on the monthly statement, along with special offers at companies like Saks, Equinox, SoulCycle, and Resy.

Other benefits include purchase protection of up to $50,000 per calendar year, return protection, and preferred access to selected events.

You can even customize the card design, with options including Classic Platinum, Art X featuring works by Kehinde Wiley, and Art X featuring works by Julie Mehretu.

The Plan It system is a significant benefit of Amex cards, allowing purchases to be split over different months.

Meanwhile, the Send & Split system enables money transfer through Amex, along with cell phone protection of up to $800 per claim with a $50 deductible, the American Express app, year-end summary, and additional Platinum cards.

Want to learn another option?

The Green Card is an American Express option that offers a lower monthly cost compared to the Platinum but still has comprehensive benefits for the public.

However, this doesn’t mean that the selection criteria are very different. In any case, you can see how to apply.

Written by

Gabriel Gonçalves