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

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Jarrod West

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Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
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Michael Y. Park is a journalist living in New York City. He’s traveled through Afghanistan disguised as a Hazara Shi’ite, slept with polar bears on the Canadian tundra, picnicked with the king and que...
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The Platinum Card® from American Express and The Business Platinum Card® from American Express are easily 2 of the most recognizable travel credit cards on the market. In addition, they’re often considered to be a symbol of luxury and status.

Since both cards offer fantastic benefits and lucrative point earnings, you might think that it can be exceptionally difficult to be approved for them. But are the Amex Platinum card and the Amex Business Platinum card as exclusive as they are made out to be?

As with most other credit cards, when you’re applying for the Amex Platinum card or the Amex Business Platinum card, the issuing company (American Express, in this case) considers factors such as your credit score, length of credit history, and your income.

Here’s a breakdown of those factors to help you determine your chances of being approved for the Amex Platinum card or the Amex Business Platinum card.

Amex Platinum Card (Snapshot)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

Learn More(at Amex's secure site)

The 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.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
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 cardapplication.
Good to Excellent (670-850)

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

  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with American Express Travel
  • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
  • TSA PreCheck or Global Entry credit
  • Access to American Express Fine Hotels and Resorts
  • Access to Amex International Airline Program
  • No foreign transaction fees (rates and fees)

Cons

  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Financial Snapshot

  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Amex Business Platinum Card (Snapshot)

OUR BEST OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

The Business Platinum Card® from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

Learn More(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!
Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
120,000 points
$2,640
$695
19.49% - 27.49% 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 cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros

  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Up to $200 annual airline fee credit on your selected qualifying airline
  • Statement credits on select purchases with your card
  • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Global Entry or TSA PreCheck application fee credit
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
  • Access to Amex’s Fine Hotels & Resorts program

Cons

  • High annual fee of $695 (rates and fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% - 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Credit Score Factors 

One of the most important factors, if not the most important, for any bank or credit issuer is your credit score, which goes from 300 (the worst score) to 850 (the best). It’s important to know the 5 factors that make up your score:

  • Payment history — 35%
  • Credit utilization — 30%
  • Length of credit history — 15%
  • New credit — 10%
  • Credit mix — 10%

Understanding these factors can help you understand how they affect your score and what that overall score means.

Payment History

Your payment history is the most important aspect of your credit, as it is responsible for 35% of your overall score. To receive a high credit score, you need to show a consistent history of on-time monthly payments. If you have a history of late payments (especially recently), you’re unlikely to get approved for a card like the Amex Platinum card or the Amex Business Platinum card.

Hot Tip:

Avoid missing a credit card payment by setting up autopay! This ensures you’ll never miss a payment and your account remains in good standing. Just make sure you’re spending responsibly and don’t go into overdraft.

Credit Utilization

The second most important aspect of your credit score is your credit utilization. It accounts for 30% of your overall score.

Credit utilization is the percentage of available credit that you have currently borrowed. For example, if you have a credit card with a $5,000 limit and make $2,000 in charges, your credit utilization will be 40% when the statement posts.

The lower you keep your credit utilization, the better. If you’re constantly maxing out your credit cards each month (even if you’re paying off the balance in full), it will hurt your credit. Try to pay most or all of your balance off before your statement post. This will help keep your overall credit utilization low and improve your credit score.

Hot Tip:

You may have heard that it is good for your credit score to leave a small balance on your credit card every month. This is absolutely not true. Keeping a small balance on your card will only cost you money in interest. Always pay your credit card bills off in full and on time!

Average Age of Accounts

Your average age of accounts is how long you’ve had all of your credit card accounts open, averaged out. The average age of accounts is calculated by totaling the monthly ages of all accounts, then dividing this sum by the number of accounts. For example, if you have had a credit card open for 4 years and another for 3 years, your average age of accounts is 3.5 years.

The average age of accounts accounts for 15% of your total credit score.

New Credit

If your credit history is relatively new, it is important not to open up too many new accounts in a short timeframe. New accounts will lower your average account age, which will have a bigger effect on your score if you don’t have a lot of other credit information.

The impact is not as significant as other categories, though — new credit makes up just 10% of your overall score.

Credit Mix

Your credit mix makes up the final 10% of your credit score. Though this category is often the most confusing for people, borrowers with a good mix of revolving credit and installment loans generally represent less risk for lenders.

In other words, if you have multiple forms of credit extended to you — say in the form of credit cards, car notes, student loans, or housing loans — you appear less risky to credit lenders.

Bottom Line:

As you can see, just 3 factors make up 80% of your credit score. While it is true that opening a new credit card can lower your overall age of accounts, many other factors can actually improve with a new account if it’s used responsibly.

How Hard Is It To Get the Amex Platinum Card?

For the most part, getting approved for the Amex Platinum card is not as difficult as you might think. As long as your credit score is in the high 600s or higher and you have a couple of years of clean credit history, you’ve got a strong chance of being approved.

How To Check Your Credit Score

credit score concept on the screen of smartphone
Image Credit: Song_about_summer via Adobe Stock

To know if your credit score is high enough for the Amex Platinum card or the Amex Business Platinum card, you need to know what your credit score is in the first place. But how do you find your credit score?

If you already have a credit card account open, then you likely already have access to your credit score. Most credit card issuers offer a free monthly credit monitoring service that informs you how your score fluctuates month to month.

You can also easily open an account on a site like Credit Karma. Credit Karma is a free online service that helps you keep track of your credit score, gives you a breakdown of each factor, and monitors for fraudulent activity. You can also check your credit score for free at each of the 3 credit bureaus (TransUnion, Equifax, and Experian).

Business Credit Scores

If you’re applying for the Amex Business Platinum card using an employer identification number (or EIN), as opposed to your Social Security number, then Amex will perform a check of your business credit score. But what is a business credit score, and what makes it different from your personal credit score?

For starters, your business is tracked by its name, address, and EIN. Personal credit scores are private, but business credit scores are publicly available and can be viewed by anyone by visiting business credit reporting agencies like Dun & Bradstreet, Equifax Business, and Experian Business. Finally, your business credit score is on a scale of 1 to 100.

Though business and personal credit scores use different numbering systems, they effectively function the same as having a great business credit score will help you get approved for small business credit cards, take out business loans at lower rates, and qualify for lower insurance premiums.

What Credit Score Is Needed for the Amex Platinum Card and Amex Business Platinum Card?

We recommend a credit score of 670 or higher for the Amex Platinum card and the Amex Business Platinum card. If you’re applying for the Amex Business Platinum card using an EIN, then we recommend that your business credit score be 75 or higher. 

These scores may be lower than you were expecting, but the truth is you don’t need a credit score of 800 or over to get approved for premium credit cards!

Keep in mind that, while this is a general recommendation, there is technically no minimum required score for the card. Likewise, there is no score that will guarantee your approval, either. Some applicants have been approved for both the Amex Platinum card and the Amex Business Platinum card with scores in the 600s, while others have been denied with scores in the 800s.

Remember: Your credit score is just a single factor that Amex considers before it will approve or reject you for the Amex Platinum card or the Amex Business Platinum card. So what else matters when banks are determining whether or not to approve you?

Hot Tip:

Not sure what your credit score is considered? Learn what good and low credit scores are, along with 5 ways to boost your score.

Check Your Odds for Amex Platinum Card Approval

Want to apply for the Amex Platinum card with confidence? You’re in luck because Amex offers the Check With Confidence tool, which allows you to see which cards you are prequalified for.

Using the tool is simple: You just enter your name, address, the last 4 digits of your SSN, and your income to receive prequalified offers in just 30 seconds.

Better yet, searching doesn’t impact your credit score. Once you receive your results, you’re under no obligation to apply for a card — it’s OK to window-shop. You get a good idea of whether you’d be approved before you even submit the application, at no cost to you. It’s a win-win scenario.

Other Approval Considerations

Aside from your credit score, there are several other factors that can heavily influence whether a bank will approve you for a new credit card.

Personal Income and Business Income

Your stated income on your application plays a large role in your approval odds. On average, those with an Amex Platinum card or Amex Business Platinum card tend to have high incomes — though a high income is by no means a requirement. We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum card.

The Amex Business Platinum card gives you a little more wiggle room because even if you have a low business income or are just starting your business, you can still qualify for an Amex small business card. Even part-time business owners, freelancers, side hustlers, and sole proprietors are eligible for the Amex Business Platinum card.

Length of Credit

Let’s say you’ve just been denied for a new credit card despite having a relatively high score. Confusing and frustrating, right? The reason may be that you haven’t had a credit history for long enough.

What’s happening is that credit issuers deem people new to credit riskier than those who have been responsibly using credit for many years. So don’t take it as a personal insult. Keep your credit high and try again later — you’ll likely get a better result if you wait a bit.

We recommend that you have at least 2 years or more of blemish-free credit history before applying for the Amex Platinum card or the Amex Business Platinum card.

Tips To Boost Your Credit Score

Credit scores
Image Credit: Alexandar III via Shutterstock

If your credit score isn’t high enough to get approved for the Amex Platinum card or the Amex Business Platinum card, there are several ways to improve your credit score. Keep in mind that low or no credit is by no means a permanent state.

Your credit can be improved by following these steps:

Get a Starter Credit Card

If you have a low credit score or have never had a credit card at all, you’ll likely struggle to get approved for most credit cards.

In this case, opening a secured credit card or a card with a low limit is usually the best option. If you successfully manage the card by making payments on time, your score will begin to improve relatively quickly.

Hot Tip:

Do you need to repair or build your credit score? The Capital One Platinum Credit Card is a great option with fraud coverage for unauthorized charges and access to a higher credit limit after you make the first 5 monthly payments on time.

Get Added as an Authorized User

One easy option that can make a big difference to your score is being added as an authorized user on someone else’s credit card, which shows that someone else trusts you with their credit. It can help lower your credit utilization, improve your payment history, and increase the average age of your accounts.

But you should only ask someone to add you as an authorized user if they themselves are responsible with their credit. If you’re an authorized user on the account of someone who regularly carries a high balance and misses payments, this can damage your score — even though you aren’t the main account holder!

We’ve previously gone into detail about being added as an authorized user for the Amex Platinum card (rates & fees).

Get Errors Removed

This step is helpful for everyone, even if you already have a fantastic score. Inaccuracies and potential fraud cases on your credit report can greatly decrease your score. (How much your credit changes depends on how severe the error is.) What’s worse, you may not even know about it!

Regularly monitor your credit report. If you see anything that seems suspicious or inaccurate, or if you receive an alert for a new account that’s unfamiliar to you, dispute the credit error immediately.

Final Thoughts

If you’re in the market for a premium travel credit card, the Amex Platinum card and the Amex Business Platinum card are definitely 2 of the best options on the market. Both cards offer airport lounge access, hotel elite status, and earn one of the most lucrative points currencies, Membership Rewards points.

Check out this fantastic Amex Platinum offer to take advantage of the benefits mentioned.

If you have a solid annual income, a good credit score, and a few years’ worth of great credit history, you stand a solid chance of being approved for either the Amex Platinum card or the Amex Business Platinum card. If not, follow the tips outlined in this post and you’ll be on your way there in no time!

Read our guide on the best Amex business cards to find more details and discover other options available to your business.

The information regarding the Capital One Platinum Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.

Frequently Asked Questions

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

While there is no set score needed, we recommend you have a credit score of at least 670, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the Amex Platinum card.

Do I qualify for the Amex Platinum card?

It depends. Most Amex Platinum cardholders have a credit score of 670 or better, along with relatively high income. But your score alone does not fully decide whether or not you’ll be 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.

Is the Amex Platinum card metal?

Yes, the Amex Platinum Card is metal and silver in color.

What is the credit limit for the Amex Platinum card?

The Amex Platinum card does not have a set credit limit when you are approved. Instead, you are expected to pay off your monthly charges at the end of each month.

This does not mean that your credit limit is unlimited, though. Amex will monitor your monthly spending habits and determine a range of what you can reasonably afford based on past expenditures and your stated income. If you have a large charge you want to make, you can contact them in advance to see if the charge will be approved.

Can you carry a balance on the Amex Platinum card?

You cannot carry a balance on the Amex Platinum card. In order to be able to continue using the card, you have to pay your balance off in full every month.

Is the Amex Business Platinum card worth it?

If you’re a business owner who values the benefits of the card like the annual credits, airport lounge access, hotel elite status, and travel protections, then, yes, the Amex Business Platinum card would definitely be worth it.

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. Do you have a profitable business that has been running for years? Or are you just starting a brand-new side hustle? Either way, you’re eligible for the Amex Business Platinum card.

To give yourself the best chance of being approved for the Amex Business Platinum card, you’ll want to have a great credit score and a few years of clean credit history.

What is the credit limit of the Amex Business Platinum card?

Similar to the Amex Platinum card, the Amex Business Platinum card does not have a set credit limit, but this does not mean that your credit limit is unlimited. Rather, Amex monitors your charges each month and decides upon a range of what it believes you can reasonably afford to pay. This figure is usually based on your past monthly expenditures and your stated income.

Does the Amex Business Platinum card have an annual fee?

Yes, the annual fee on the Amex Business Platinum card is $695 (rates & fees).

What are the differences between the personal and business Platinum cards from American Express?

The Amex Platinum card and the Amex Business Platinum card don’t just similar names, they have many overlapping benefits, as well. There are a handful of distinctions between the 2 that will help you decided which card is a better fit for you. For an in-depth comparison, check out our head-to-head matchup: the Amex Business Platinum card vs. the Amex Platinum card.

Does my credit score affect the welcome bonus offer?

The welcome offer for the Amex Platinum card does not change based on your credit score.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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