Steps to Apply for the American Express Platinum Card
The American Express Platinum card stands out as the quintessential offering from the brand, earning its reputation as an exceptional premium choice for daily expenditures; apply today.
Essential Insights Before Applying for the American Express Platinum Card
The classic American Express Platinum card presents a captivating bonus of 150,000 Membership Rewards points for new members along with excellent travel rewards!
The Platinum card represents the quintessential image of American Express offerings, featuring a variety of premium perks for its holders.
The welcome package includes 150,000 Membership Rewards points for new users who spend at least $8,000 within the first 6 months of using the card.
The rewards program provides 5x points on flights booked through airlines, capped at $500,000 annually, alongside similar rewards for prepaid hotels. For all other purchases, you earn 1x points.
Regarding fees, the card comes with a significant annual fee of $695, yet it waives foreign transaction fees on international spending.
When it comes to travel benefits, the card is quite extensive, and these include:
- Tailored itineraries and suggestions
- Fine Hotels+ access at 1,500+ locations
- Global airline program with discounted fares
- $200 in Uber Cash credit each year
Ultimately, the Platinum card is indeed quite all-encompassing, and there’s more to explore.
Who is Eligible to Apply?
According to Amex policies, applicants need to fulfill specific criteria to apply for the card, including being at least 18 years old, as it’s not available to younger individuals.
Moreover, compliance with U.S. laws is crucial, requiring valid and appropriate official documents.
For creditworthiness, Amex suggests a solid or excellent credit rating, ideally over 700 points, to improve the chances of approval.
Additionally, having a steady monthly income is highlighted as a key factor in obtaining credit and enhancing approval chances.
It’s important to highlight that Amex does not require customers to possess any other product from their lineup to apply for this card.
How to Apply for the American Express Platinum Card?
The Amex site features a user-friendly ‘Apply Now’ button that effortlessly directs users to the application form.
Current Amex members can log in directly for quick access using their username and password.
During the application process, applicants are asked to provide personal information such as their full name, date of birth, preferred card name, home address, email, phone number, and social security number.
Additionally, applicants must include their income information, detailing their employment status (employed, self-employed, retired, or dependent), annual income, and optionally, after-tax income.
The application page includes a chat option, allowing users to interact with a virtual assistant for help, or they can reach out through Amex’s customer service.
Once submitted, Amex performs a credit check and provides either a positive or negative outcome.
It’s essential to remember that applying for this card usually doesn’t affect the applicant’s credit score, even if the application is denied. However, Amex may limit applications based on their availability.
Therefore, fulfilling the basic requirements set by the brand does not ensure approval.
Additional Insights
When it comes to shopping and entertainment, the Platinum card offers credits of up to $20 monthly for Disney+ purchases.
For Walmart+, cardholders receive a statement credit, plus exclusive deals at retailers like Saks, Equinox, SoulCycle, and Resy.
Additional perks include purchase protection up to $50,000 annually, return protection, and priority access to select events.
You can also personalize the card’s appearance, choosing from options like Classic Platinum, Art X showcasing art by Kehinde Wiley, and Art X with works by Julie Mehretu.
The Plan It feature is a key advantage of Amex cards, allowing you to break down purchases over several months.
Additionally, the Send & Split feature lets you transfer money with Amex, and it includes cell phone protection up to $800 per claim, a $50 deductible, access to the American Express app, year-end summaries, and extra Platinum cards.
Interested in exploring another option?
The Green Card is an American Express choice that provides a more affordable monthly fee than the Platinum card while still offering a range of valuable benefits.
Yet, this doesn’t imply that the criteria for selection are vastly different. Regardless, you can learn how to apply.
