How do I Apply for the American Express Platinum Card?
The American Express Platinum card stands as the quintessential choice from the brand, marking its legacy as a top-tier option for daily transactions; sign up today.
Essential Insights Before Applying for the American Express Platinum Card
The American Express Platinum card presents an alluring welcome bonus of 150,000 Membership Rewards points for new users, in addition to generous travel rewards!
CREDIT CARD
AMEX Platinum
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The Platinum card epitomizes the classic American Express identity, offering a suite of elite benefits for its users.
One of the standout perks is the introductory offer of 150,000 Membership Rewards points for new users spending at least $8,000 within the first six months.
This rewards program provides 5x points on flights booked directly with airlines, up to $500,000 in purchases per year, and the same applies for prepaid hotel bookings. All other purchases earn 1x points.
The card carries a significant annual fee of $695, but it does not impose foreign transaction fees for overseas spending.
Travel benefits are quite extensive with this card, which includes:
- Custom itineraries and suggestions
- Exclusive Fine Hotels+ access
- International airline discounts
- $200 Uber Cash credit each year
Overall, the Platinum card is exceptionally well-rounded, and further details await.
Who is Eligible to Apply?
According to Amex standards, applicants need to satisfy specific eligibility criteria, including being at least 18 years old, as younger individuals cannot apply.
Moreover, compliance with U.S. laws is crucial, requiring valid and authorized documentation for application.
In terms of credit standards, Amex advises a good to excellent credit score, preferably over 700 points, to improve chances of approval.
Maintaining a reliable monthly income is also highlighted as a key aspect for obtaining credit and increasing the likelihood of approval.
Importantly, Amex does not require customers to own any other products from them to apply for this card.
How to Apply for the Amex Platinum Card?
The Amex website has a user-friendly ‘Apply Now’ button that effortlessly directs users to the application form.
If you’re already an Amex customer, you can log in directly for quick access with your username and password.
The application form requires applicants 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 disclose income details, including their employment status (employed, self-employed, retired, or a beneficiary), annual income, and post-tax income if desired.
The form includes a chat option for users to connect with a virtual assistant for assistance or they can reach out to Amex’s customer service.
After submission, Amex performs a credit check and provides either a favorable or unfavorable outcome.
It’s important to understand that applying for the card usually does not affect the applicant’s credit score, even if denied. However, American Express may restrict applications based on availability.
Therefore, fulfilling the brand’s basic criteria does not guarantee approval.
CREDIT CARD
AMEX Platinum
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Additional Information
Regarding shopping and entertainment, the Platinum card gives up to $20 in monthly credits for Disney+ purchases.
For Walmart+, cardholders enjoy a statement credit and exclusive offers at retailers like Saks, Equinox, SoulCycle, and Resy.
Additional perks include purchase protection of up to $50,000 annually, return protection, and priority access to select events.
You can also personalize the card’s design with styles like Classic Platinum, and Art X featuring the masterpieces of Kehinde Wiley and Julie Mehretu.
The Plan It feature is a great advantage of Amex cards, letting you break down payments over multiple months.
In addition, the Send & Split feature allows for money transfers via Amex, along with cell phone insurance up to $800 per claim (with a $50 deductible), the American Express app, year-end summaries, and extra Platinum cards.
Curious about another choice?
The Green Card is an American Express alternative that has a lower monthly fee than the Platinum while still offering valuable benefits.
That said, the eligibility criteria aren’t drastically different. You can check out how to apply.
