Q&A: What credit score do you need for Amex Platinum Card®?

Updated on October 27, 2023

Question: What credit score do you need for Amex Platinum Card®?

Answer: For the American Express Platinum Card®, you’ll typically need a good to excellent credit score. This generally means a score in the ballpark of the upper 600s to the 700s and beyond. However, many cardholders and experts suggest that a score in the mid-700s or higher can increase your chances of approval.

But here’s the thing: while your credit score is a significant factor, it’s not the only thing American Express considers. They’ll also take a gander at other parts of your financial profile. This includes your income, employment status, payment history, and overall debt. They’re trying to get a full picture of your creditworthiness and whether you can handle the responsibilities of such a premium card.

If you’re considering applying, it’s a smart move to first check out your credit report. Ensure everything’s accurate and get a feel for where you stand. Remember, applying for a credit card results in a hard inquiry on your credit report, which can give your score a tiny dip. So, it’s best to apply when you’re feeling confident about your chances.

If you do get approved for the Amex Platinum Card®, enjoy those luxury travel perks, rewards, and other benefits that come with it. It’s a card that’s designed for frequent travelers and those who appreciate the finer things in life.

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  • Stilt, Inc. and its affiliates do not provide financial, tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own financial, tax, legal and accounting advisors before engaging in any transaction.

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    Frank Gogol

    I’m a firm believer that information is the key to financial freedom. On the Stilt Blog, I write about the complex topics — like finance, immigration, and technology — to help immigrants make the most of their lives in the U.S. Our content and brand have been featured in Forbes, TechCrunch, VentureBeat, and more.