How To Apply For The Platinum Card® From American Express?


Is obtaining The Platinum Card® from American Express a wise choice?

Before you decide to apply for this prestigious card, it’s crucial to weigh its benefits against its costs. This top-tier credit card has garnered numerous positive reviews, but it’s essential to ascertain whether its perks align with your lifestyle and financial circumstances. If they do, then it can indeed be a valuable investment.


The Platinum Card® from American Express offers a multitude of advantages, including $200 in statement credits for Fine Hotels + Resorts® or The Hotel Collection bookings, monthly statement credits of up to $20 for eligible purchases from providers such as Audible and The New York Times, and coverage of the cost of a $12.95 monthly Walmart+ membership.

Cardholders also gain access to over 40 Centurion Lounge and Studio locations worldwide, receive up to $200 in statement credits per calendar year for incidental fees charged by one qualifying airline, and enjoy Uber VIP status with annual savings of up to $200 on rides or eats orders in the US.

Furthermore, cardholders can receive up to $300 back each year on an Equinox+ subscription or Equinox club memberships, get up to $189 back annually on CLEAR® Plus membership at participating airports, and more. Please note that terms and conditions apply.


The card’s benefits are geared towards travel and may not be ideal for everyday use for most individuals. Some of the benefits may diminish without the initial welcome bonus. The $695 annual fee requires careful financial planning to ensure it is justified.

Credit Scores Required:

To qualify for this powerful card, you need a credit score of 720 or higher, along with a positive credit history. It’s important to note that this card is not suitable for building or establishing credit history.

How to Apply for The Platinum Card® from American Express:

If the travel benefits and rewards program appeal to you, applying for The Platinum Card® from American Express is a prudent decision. The application process is straightforward, and you can complete it online within minutes. In this article, we’ll guide you through the step-by-step process.

The Platinum Card® from American Express is globally renowned as the most sought-after travel card. With a history of over 40 years, it has earned a reputation for reliability and enjoys widespread acceptance worldwide.

Applying Online:

The application process takes place entirely on the American Express website, where you can access comprehensive information about the card, including its benefits and costs. If you decide to apply, simply click the “apply now” button and fill out a form with basic contact and personal information. You may also be eligible for a welcome bonus offer.

The final three questions on the application are crucial, as they require you to disclose your income source and amount. This, in conjunction with your credit history, will be used to determine your approval status.

While the application process is straightforward, it’s important to ensure you meet the requirements. If not, it may be more prudent to explore other card options that better suit your financial situation.

Applying via the App:

Please note that The Platinum Card® from American Express can only be applied for through their website; the American Express app does not provide an application option.

The Platinum Card® from American Express Details:

  • Credit Score: Recommended 720+;
  • Annual Fee: $695;
  • Regular APR: 20.74% to 28.74% based on creditworthiness and other factors;
  • Cash Advance APR: 29.99% variable;
  • Welcome Bonus*: 80,000 Membership Rewards® points after spending $6,000 on purchases in the first 6 months;
  • Rewards*: Earn 5x points on flights booked directly with airlines or AmexTravel (up to $500,000 on these purchases per calendar year), 5x points on prepaid hotels booked through AmexTravel, and 1x point on all other eligible purchases.

*Terms Apply.

*The details presented on this page are accurate as of the publication date, but please note that some of the mentioned offers may have expired or become unavailable.