What are the Steps to Apply for the American Express Platinum Card?
Key Points to Note Before Applying for the American Express Platinum Card
The iconic American Express Platinum card offers an enticing bonus of 150,000 Membership Rewards points for newcomers, along with fantastic travel rewards!
CREDIT CARD
AMEX Platinum
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The American Express Platinum card stands out with its array of exclusive benefits for cardholders.
New users can take advantage of an introductory offer that grants 150,000 Membership Rewards points when they spend at least $8,000 within the first six months of holding the card.
Enjoy five times the points on airline tickets booked directly through airlines, with a limit of $500,000 in a year, plus the same rewards for prepaid hotel stays. All other spending earns one point per dollar.
This card has a hefty annual fee of $695, but it doesn’t impose foreign transaction fees for overseas purchases.
The card provides an extensive range of travel benefits, including:
- Custom travel itineraries
- Access to Fine Hotels+ Program
- International airline program with discounts
- $200 in annual Uber Cash
Thus, the Platinum card presents a wealth of options for you to explore further.
Eligibility Requirements
As per Amex’s requirements, applicants must meet certain criteria, which include being at least 18 years old, as the card is not available to those younger.
Additionally, it’s important to adhere to U.S. regulations, which necessitate having accurate and current official documentation.
For creditworthiness, Amex recommends maintaining a strong credit score of at least 700 to enhance your chances of being approved.
Moreover, having a steady monthly income significantly boosts your likelihood of securing credit and getting approved.
It’s worth noting that Amex doesn’t require applicants to hold other products from the brand to apply for this card.
Learn how to apply for the American Express Platinum Card.
Amex features a simple ‘Apply Now’ button that guides users seamlessly to the application form.
Existing Amex customers can quickly log into their accounts using a straightforward username and password.
During the application process, candidates must supply personal details like their full name, date of birth, preferred card name, home address, email, phone number, and social security number.
Additionally, applicants are required to disclose income details, including employment status (like employed, self-employed, retired, or receiving benefits), annual income, and optionally, net income after taxes.
The application page features a chat option that connects customers with a digital assistant for support, while they can also access Amex’s customer service.
Once the application is sent, Amex conducts a credit assessment and delivers either a positive or negative result.
It’s crucial to remember that typically, applying for the card doesn’t impact the applicant’s credit score, even if the application is denied. However, American Express may limit applications based on availability.
Meeting the brand’s basic criteria doesn’t guarantee that the application will be approved.
Additional Insights
The Platinum card provides $20 monthly credits for Disney+ purchases.
Walmart+ members benefit from a monthly credit and exclusive offers from partners like Saks and Equinox.
Additional benefits include purchase protection up to $50,000 annually, a return guarantee, and exclusive access to select events.
You can customize the card’s design with options like Classic Platinum, Art X featuring works by Kehinde Wiley, and Art X showcasing creations by Julie Mehretu.
The cutting-edge Plan It feature from Amex allows cardholders to break down their purchases over several months.
Simultaneously, the Send & Split system enables fund transfers via Amex. It also offers cell phone coverage for claims up to $800 with a $50 deductible, access to the American Express app, year-end summaries, and additional Platinum cards.
Seeking a different option to consider?
The Green Card offers a more wallet-friendly choice compared to the Platinum option, while still providing a host of valuable perks.
However, the differences in criteria don’t mean there are major distinctions. Instructions on how to submit an application can be reviewed anytime.
