Learn How to Apply for an American Express Platinum Card

What do I need to know before applying?

The American Express Platinum offers a bonus of 80,000 Membership Rewards points for new cardholders, along with exclusive Amex benefits. 

The American Express Platinum is one of the top cards on the market, with a credit limit that can start at $10,000 and go much higher depending on your credit conditions. 

In terms of costs, the card has an annual fee of $695, with no foreign transaction fees and various other charges for everyday transactions. 

The card provides a welcome bonus of 80,000 Membership Rewards points after spending $8,000 on qualifying purchases within the first six months of card membership. 

Regarding points, Amex offers 1x points on all purchases and 5x points on prepaid hotels booked through AmexTravel.com.

The same 5x points are earned on flights booked directly with the airline or through American Express Travel, with an annual limit of up to $500,000.

Amex services include:

• Facilities for sending money to friends via Venmo or PayPal
• Additional cards
• Cell phone protection up to $800
• Plan it for splitting purchases over $100.
• The American Express app for various conveniences

Who can Apply?

For access to the credit card, you must meet stringent requirements set by American Express:

• Be at least 18 years old or meet the legal age requirement in your state.
• Be a legal resident of the country, either as a native or as a foreigner with a valid passport and residence visa.
• Present an excellent FICO score, as anything less may complicate your application.
• Your monthly credit limit will be based on your verifiable income and credit history.

Throughout the process, you may need to provide documents, especially identity verification. All applications are subject to the bank’s availability, which means some applications may be declined.

How do I Apply for the American Express Platinum Card?

American Express allows you to provide information to pre-assess your eligibility for the card. 

When starting the application process, you’ll be directed to the application form for the card. 

The first step is to choose from the available designs:

• Classic Platinum
• Platinum A
• Platinum B

You will need to provide the following information:

• Personal details: first name, middle initial, last name, name on the card, date of birth, email address, cell phone number, full address, and Social Security number
• Income: total annual income (including salaries and other sources) and the source of income (employed, self-employed, unemployed, military, or business owner)

Throughout the process, Amex may request additional documentation. For any questions, you can contact the dedicated customer service team.

More Details

The card offers exclusive access and credits for premium services:

• Walmart+ monthly subscription credit up to $12.95
• Digital entertainment credit up to $20 each month for services like Disney+ and ESPN+
• Global dining access via Resy
• Exclusive events and experiences, including tickets and presales available with your Amex
• Return protection up to $300 per item
• Purchase protection and extended warranty for your products
• Exclusive Amex Offers

Other important benefits include:

• Cell phone protection up to $800
• Up to $200 hotel credit
• Access to over 1,400 VIP lounges worldwide
• Up to $200 airline fee credit
• Up to $200 Uber Cash annually
• Platinum Travel Services
• Gold Elite status with Marriott Bonvoy reservations
• Gold status with Hilton Honors

In this way, the Amex card is quite comprehensive both for earning points and for offering conveniences, including privileges for car rentals with brands like Avis, Hertz, and Nacional.

Additionally, it comes with loss and damage insurance for rentals, a Premium Global Assist hotline, travel delay insurance, and cancellation and interruption insurance.

Premium services are structured to offer a comprehensive package from Amex for the diverse needs of Platinum clients.

Want to learn another option?

If you’re looking for a credit card with lower monthly payment requirements, you can consider the American Express Green Card, which still brings the full strength of Amex.

The card also offers a benefit of 40,000 Membership Rewards points and partnerships with a range of other programs, and you can see how to apply for it.

Written by

Gabriel Gonçalves

Writer with over 10 years of experience specializing in finance and education. Master's student in Communication and an expert in online content production.