Steps to Apply for the American Express Platinum Card
The American Express Platinum card stands out as the quintessential choice from the brand, carving a niche as an exceptional premium option for daily spending; apply 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 newcomers and exceptional travel rewards!
The Platinum card represents the quintessential image of American Express, offering a variety of luxurious benefits for cardholders.
Initially, there’s the welcome bonus of 150,000 Membership Rewards points for new cardholders who spend a minimum of $8,000 in the first 6 months.
The rewards program offers 5x points on flights booked directly with airlines, capped at $500,000 annually, also applying to prepaid hotels. For all other purchases, it’s 1x points.
Regarding costs, the card has an annual fee of $695, but it does not charge foreign transaction fees for international use.
This card offers extensive travel benefits, including:
- Custom itineraries and suggestions
- Exclusive Hotels+ Program at 1,500+ locations
- Global airline program with better rates
- $200 yearly in Uber Cash credit
Consequently, the Platinum card is indeed thorough, and you can continue reading.
Who is Eligible to Apply?
According to Amex standards, applicants must fulfill specific eligibility criteria to apply for the card, such as being at least 18 years of age, as it isn’t available to those younger.
Moreover, compliance with U.S. laws is crucial, requiring valid and appropriate official documents.
In terms of credit eligibility, 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 for obtaining credit and enhancing approval likelihood.
Notably, Amex does not require customers to possess any other product from their range to apply for this card.
How to Apply for the American Express Platinum Card?
The Amex site features a user-friendly ‘Apply Now’ button that takes you directly to the application form.
Current Amex users can easily log in for quick access using their username and password.
The application form requests personal information, such as your full name, birthdate, desired card name, complete address, email, phone number, and Social Security number.
Additionally, you’ll need to provide income information, which includes your employment status (employed, self-employed, retired, or beneficiary), annual earnings, and optionally, your post-tax income.
Amex offers a chat option on the form page, allowing users to interact with a virtual assistant for help. Alternatively, they can reach out through Amex’s customer service.
After submission, Amex performs a credit check and provides either an approval or denial notification.
It’s important to understand that applying for this card generally does not affect the applicant’s credit score, even if the application is denied. However, American Express may impose limits on applications depending on availability.
Thus, simply meeting the basic criteria does not assure approval.
Additional Information
Regarding shopping and entertainment, the Platinum card provides monthly credits of up to $20 for Disney+ purchases.
With Walmart+, cardholders enjoy a monthly statement credit and exclusive offers at retailers like Saks, Equinox, SoulCycle, and Resy.
Additional perks include purchase protection up to $50,000 annually, return protection, and preferred access to select events.
You can even tailor the card’s look, with styles like Classic Platinum, Art X showcasing pieces by Kehinde Wiley, and Art X featuring works by Julie Mehretu.
The Plan It feature is a major perk of Amex cards, enabling you to spread purchases over several months.
Additionally, the Send & Split service allows for money transfers via Amex, plus offers cell phone protection up to $800 per claim with a $50 deductible, along with the American Express app, annual summary, and more Platinum cards.
Curious about another option?
The Green Card is an American Express choice that boasts a lower monthly fee compared to the Platinum while still offering extensive benefits.
Nonetheless, this doesn’t imply that the eligibility criteria are vastly different. You can find out how to apply.
