Most Amex Platinum cardholders have a credit score of 670 or better, and relatively high income. But your score alone does not fully decide whether or not you will be approved. If you have a strong credit score with a few years of credit history and a decent annual income, you stand a good chance of being approved.
Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have at least good credit and make a lot of money, you have a decent shot at getting approved.
It's more important to have a good-to-excellent credit score (670+ FICO score) when you apply. An excellent FICO score of 800 to 850 will give you the best approval odds for the Amex Platinum.
The Amex Platinum® is a premium credit card that offers a welcome bonus, luxury perks, and other value-added services. Cardholders benefit from Uber credits, airfare discounts, bonus points, cashback and much more. Unlike typical credit cards, this card allows you to carry a balance for certain charges, but not all.
American Express appears to primarily pull credit reports from Experian, but this doesn't mean it doesn't occasionally pull from one or both of the other major consumer credit bureaus as well.
Salary Needed for Amex Platinum Credit Card
There are no published salary requirements in order to qualify for The Platinum Card® from American Express. But, the more you earn, the better. If you make nearly $100,000 a year and have good credit, you should have no issue getting approved.
Person Income/Business Income
We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum.
Yes, the American Express Platinum card is considered a prestigious credit card, as it's geared for big spenders who travel often and can take advantage of the card's many benefits. New cardholders earn 80,000 points for spending $6,000 in the first 6 months.
Yes, the American Express Platinum card is considered a status symbol because of its exclusive benefits, high annual fee, and reputation as a premium metal credit card. The American Express Platinum card caters to high-spenders who travel frequently and want a wide range of luxury travel perks and lifestyle benefits.
Amex Platinum ultimately offers more value, though. For example, its benefits include airport lounge access, while the Amex Gold Card's perks do not. When it comes to ongoing rewards on purchases, Amex Platinum has a higher maximum earning rate and better travel rewards. But Amex Gold provides more everyday value.
Unlike some of the other cards on this list, The Platinum Card® from American Express is an elite card, but it's not invite-only. This accessible card is one of the best credit cards for millionaires.
The Platinum Card® from American Express is one of the most well-known premium travel cards around. With more than $1,400 in statement credits each year, lounge benefits, hotel elite status and travel protections, this card offers the complete package for luxury travelers.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual card credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
While American Express probably won't ask to verify your income, it's not a good idea to lie about your income on an application. In fact, providing false information on a credit card application is against federal law. Therefore, you're much better off being honest when applying for an American Express credit card.
If you have a Consumer or Business Green, Gold or Platinum Card, your Card does not have a credit limit. Instead, your Card has no preset spending limit unless you have been previously notified otherwise.
The American Express Centurion Card
The Amex Centurion (or Amex Black) is the highest level American Express card, but it has a very elite, invite-only membership and Amex does not officially publish its information.
You'll see that in terms of everyday spend, the Amex Blue Cash Preferred card is far more rewarding than the Amex Platinum card, earning you between 3% to 6% cash-back on purchases such as gas and groceries. The Amex Platinum card offers just 2 bonus categories for flights and prepaid hotels booked through Amex Travel.
The American Express Black Card is an exclusive charge card offered to high-net-worth individuals (HNWIs) by invitation only. The American Express Platinum Card is one tier lower. Prospective cardholders may apply online and must meet minimum eligibility requirements.
You can Log on to Online Services to access information on your Card account, including your credit limit information or check your available credit limit on the Amex App. You may also refer to your account statement to check the credit limit on your Credit card.
American Express does not disclose a specific income requirement, but it must be enough to make payments on the card and to afford the $250 annual fee. Amex doesn't openly state any other Amex Gold card requirements, but there are plenty of other factors that Amex considers during the approval process.
How much do you have to make to get Amex's black card? There aren't any income requirements per se, but you most likely need to be a high spender on your Amex cards. If you're in the ballpark of $250,000 to $500,000 in annual spending across all your open Amex cards, you may qualify for the Centurion card.
You need to have a good or excellent credit score to be approved for the American Express Platinum Card. This metal card offers no pre-set credit limit and eligibility to earn uncapped Membership Rewards points on every dollar you spend, plus significant travel benefits.
Annual income of $100,000 or more. Aged 18 years or over. Australian citizen, permanent resident or holding long term visa (long term means 12 months or over and does not include a student visa).
American Express doesn't publicly disclose any official American Express Platinum card income requirements. But having a steady source of income is a must in order to get this card. And you need to demonstrate the ability to pay the card's $695 annual fee and the entire balance in full, when applicable.