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Amex Platinum Card and Amex Business Platinum Card: Requirements, Ideal Credit Score, and Approval Tips

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Ehsan Haque
Updated: 
Edited by: Jessica Merritt
& Michael Y. Park
Amex Platinum Card and Amex Business Platinum Card: Requirements, Ideal Credit Score, and Approval Tips
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The Platinum Card® from American Express and The Business Platinum Card® from American Express each have their own approval criteria, which include factors such as your credit score, credit history, income, and other financial considerations.

Here’s a look at the factors that may affect your chances for the Amex Platinum card or the Amex Business Platinum card.

Quick Overview: Amex Platinum Card Requirements

BEST LOUNGE CARD
Platinum Card® from American ExpressTerms Apply / Rates & Fees
Platinum Card® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card® from American Express
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
As High As 175,000 Points. Find Out Your Offer.
Up to $3,850
$895
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card® from American Express.

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 statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons
Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $895 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
Read Full Review
Card Highlights
  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
  • $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

NEW OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
The Business Platinum Card® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)
The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 300,000 Points. Find Out Your Offer.
Up to $6,600
$895
17.74% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Good to Excellent
Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons
Pros
  • Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
  • Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
Cons
  • High annual fee of $895 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
Read Full Review
Card Highlights
  • As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
  • See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
  • Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
  • Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
  • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
  • Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
  • Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
  • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
  • 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 5X points on flights and prepaid hotels on AmexTravel.com
  • 1X points on other eligible purchases
  • Terms Apply.
Financial Snapshot
  • APR: 17.74% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

American Express does not disclose a minimum credit score requirement for either the Amex Platinum card or the Amex Business Platinum card, but a FICO score of 670 or higher can increase chances of approval.

Approval also depends on other factors, including income, credit history, and existing relationship with American Express. Generally, having at least 2 years of strong credit history with no significant negative marks can improve your approval odds.

While American Express can pull credit reports from all 3 major credit bureaus, Experian is the bureau most commonly reported by applicants.

You can apply for The Amex Business Platinum card using either an Employer Identification Number or a Social Security number as a sole proprietor. Having a new business or relatively low business income does not automatically disqualify an applicant from approval.

Welcome offers for these cards are subject to the American Express once-per-lifetime rule, meaning that prior cardholders may still be approved for either card but may not be eligible for a new welcome offer.

Both the Amex Platinum card and the Amex Business Platinum card have an annual fee of $895 (Source: American Express; Amex Platinum card rates & fees; Amex Business Platinum card rates & fees).

Credit Score Factors 

Your credit score is a key factor in approval for the Amex Platinum card and the Amex Business Platinum card. On-time payments and low credit utilization carry the most weight, while a longer, well-managed credit history and a healthy mix of credit types can further strengthen your score.

Bottom Line:

Three factors — payment history, credit utilization, and length of credit history — account for 80% of your credit score.

How Hard Is It To Get the Amex Platinum Card?

The Amex Platinum card and Amex Business Platinum card aren’t among the hardest cards to get, but applicants typically need a good or excellent credit score (670 or higher), a strong payment history spanning at least 2 years, and sufficient income to increase chances of approval.

Amex Platinum Card Approval Odds

American Express considers credit score, income, the length of your credit history, and any existing relationship with Amex (Source: American Express).

Applicants with good or excellent credit and at least a couple of years of positive credit history generally have better odds of approval. No score guarantees approval, and Amex considers the full application.

American Express offers a preapplication eligibility check through its Apply With Confidence feature, which lets you see whether you’re likely to be approved without affecting your credit score (though your score may be affected if you choose to accept the card).

How To Check Your Credit Score

Person holding a smartphone with good credit score meter on the screen
Your credit score is based on various factors. Image Credit: Backcountry Media via Adobe Stock

Before applying for the Amex Platinum card or Amex Business Platinum card, you can check your credit score for free through your credit card issuer, credit monitoring services, or the major credit bureaus to gauge your approval prospects.

Business Credit Scores

If you apply for the Amex Business Platinum card using an EIN, American Express may review your business credit profile as part of the application process. However, approval decisions are still heavily influenced by your personal credit history, income, and overall financial profile.

Hot Tip:

Check out our list of the best Amex business cards.

What Credit Score Do I Need for the Amex Platinum Card and Amex Business Platinum Card?

A credit score of 670 or higher increases the chances of approval for the Amex Platinum card and the Amex Business Platinum card. There is technically no minimum required score for the card, and no score will guarantee your approval (Source: American Express).

Hot Tip:

Not sure what your credit score is considered? Check out our guide that breaks down what good and low credit scores are, along with 5 ways to boost your score.

Other Approval Considerations

Aside from your credit score, several other factors can heavily influence card approval.

Personal Income and Business Income

Income is an important factor in Amex Platinum card and Amex Business Platinum card approval decisions, although there is no published minimum income requirement. An annual income of $50,000 or more may improve approval odds. Amex Business Platinum card applicants may still qualify with modest or newly established business income, including freelancers, sole proprietors, and those running part-time businesses or side hustles.

» Related: 13 Businesses You Can Start To Get a Business Credit Card [2026]

Length of Credit

About 2 years of clean, blemish-free credit history can improve your approval odds for the Amex Platinum card or Amex Business Platinum card. If you’re relatively new to credit and have been denied, try building a longer credit history while using credit responsibly and applying again.

Will Applying for the Amex Platinum Card Affect Your Credit or Welcome Offer?

Amex’s Apply With Confidence feature lets applicants learn whether they’re approved without an immediate impact on their credit score. If you’re approved and accept the card, Amex may perform a hard inquiry, which may temporarily lower your credit score by a few points, but scores typically recover within months and it’s typically minor for people with established credit.

American Express may also show welcome offer eligibility during the application process. Under Amex’s once-per-lifetime rule, current or previous Amex Platinum card holders are typically ineligible for a new welcome offer, meaning you may still be approved for the card but not qualify for the offer.

Tips To Boost Your Credit Score

Credit scores
Your credit score is one of the most important factors in determining whether you’ll be approved for a new credit card. Image Credit: Alexandar III via Shutterstock

If your credit score is not yet strong enough for cards like the Amex Platinum card or Amex Business Platinum card, strengthen your credit before applying, with on-time payments, low balances, credit report monitoring for errors, and a longer history of responsible account use.

Final Thoughts

A good to excellent credit score, sufficient income, and a couple of years of clean credit history generally provide a good chance of approval for the Amex Platinum card and the Amex Business Platinum card. Applicants who fall short can improve their odds by strengthening these factors.

Featured Image Credit: Upgraded Points

Frequently Asked Questions

What does your credit score need to be for the Amex Platinum card?

American Express does not disclose a minimum credit score requirement for the Amex Platinum card. However, you should have a FICO score of 670 or higher to increase your chances for approval.

Do I qualify for the Amex Platinum card?

Amex Platinum card applicants should have a credit score of 670 or higher and a relatively high income. But your score alone doesn’t fully determine whether you’re approved. If you have a strong credit score, a few years of credit history, and a decent annual income, you stand a good chance of being approved.

What credit bureau will American Express pull from?

Amex could pull from any of the 3 credit bureaus, Experian, Equifax, and TransUnion. Many previous applicants have reported that their Experian report was pulled, but your experience may be different.

How do you get the Amex Business Platinum card?

There are no set requirements in order to be approved for the Amex Business Platinum card. Whether you’ve run a profitable business for years or are just starting a side hustle, you can apply for the Amex Business Platinum card.

A good credit score and at least 2 years of clean credit history offer the best chance of approval.

Is the Amex Platinum card hard to get?

The Amex Platinum card is not difficult to get. Though Amex does not disclose specific approval requirements, you typically need a good or excellent credit score (670 or higher), a strong payment history spanning at least 2 years, and sufficient income to increase chances of getting approved for an Amex Platinum card.

What are the income requirements for the Amex Platinum card?

Income is an important factor in approval decisions for the Amex Platinum card and Amex Business Platinum card. Although there is no published minimum income requirement, an annual income of $50,000 or more may improve approval odds.

Will applying for the Amex Platinum card affect the welcome offer if I had the card before?

Yes, welcome offers for the Amex Platinum card are subject to American Express’ once-per-lifetime rule. While prior cardholders may still be approved for the card, they may not be eligible for a new welcome offer.

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About Ehsan Haque

Ehsan is an avid traveler who has traveled to 100 countries, diligently using points and miles to fund his journeys. Currently, he holds 32 active credit cards and earns over a million points and miles annually, primarily using them for luxury hotels and long-haul premium cabins.

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We Recommend

Platinum Card® from American ExpressTerms Apply / Rates & Fees

Platinum Card® from American Express

Apply Now(at Amex's secure site)

Platinum Card® from American Express

Welcome Offer: As High As 175,000 Points. Find Out Your Offer.

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Show more
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
  • $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.

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