What creditworthiness do you need to get the Amex Platinum card in May 2025?

The Platinum Card® from American Express is such a baller card. I remember my post for the first time a few years ago – it is a heavy little piece of metal that you can carry around!

The use of my amex platinum card always feels good. Nowadays it is one of the most available cards with a little more than $ 1,500 of discounts and expenditure credits.

But to get advantages like this, you have to extinguish a high bar. In particular, most people need one Credit score of 700 or higher to get one and a good loan profile.

Recommended credit score for the Amex Platinum card

Applicants who are the best qualified candidates for the Amex Platinum card usually have credit scores over 700th applicants with scores in the area of ​​670-699 can continue to qualify according to other criteria. Those with points under 670 are generally considered to be as the least Well -qualified candidates. Applying the card is only recommended when your loan score falls above this area.

It is important to note that American Express is more than just looking at their score. (All card exhibitors don't just do amex.)

You want to see a long credit story, a solid income and responsible debt. If you have this, this strengthens your case.

Do you already have a great score and a solid loan profile? Apply today for the Amex Platinum card (See tariffs and fees) and after approval, grab the greeting offer of 80,000 points after you spent $ 8,000 in the first $ 6 months!

What else is important than your creditworthiness?

Let's take a closer look at these other factors.

1. Their income and their relationship between debts: Amex wants to see that you can pay out your card comfortably, especially with the annual fee of $ 695 (see prices and fees). A large income in combination with low existing debts is ideal.
2. Your payment history and your loan: You want a solid track record of punctual payments. If you have other accounts for many years, this also helps.
3. Your story with American Express: Are you already an AMEX card holder in good reason? You can approved or notice the Amex Platinum card in the tailor-made offers in your Amex dashboard.

Pssst! Not quite on willingness yet? Take a look at these intelligent starter cards that are perfect for those who are still making credit.

Is the Amex Platinum card worthwhile?

Yes, the Amex Platinum card has a strong annual fee, but if you are a frequent traveler, you can more than compensate for the costs with all the advantages included.

Here are my favorites:

• Airport Lounge Access (including Centurion Lounges)
• $ 200 on hotel loans, 200 US dollars in fees for airlines and more
• Hotel elite status with Hilton and Marriott
• $ 199 Clear® plus credit
• Global entry or TSA -Vorcheck credit
• Conditions apply; Registration may be required

Even if you only fly a few times a year or like to stay in hotels with a higher end, you can replace your annual fee – and some others! If the Amex Platin card does not feel like a fit, Take a look at our list of the best travel cards More options.