Question: Is It Hard To Get Amex Platinum?

The Amex Platinum can be a hard credit card to get.

It does have a high annual fee of $550 (See Rates & Fees).

Therefore, you may want to check out some of the other best credit cards for travel rewards options that come with lower annual fees.

It largely depends on your credit history.

Will I get approved for Amex Platinum?

The Amex Platinum offers lounge access, hotel elite status, and it earns one of the most lucrative points currencies, Membership Rewards points. If you have a solid annual income, a good credit score, and a few years worth of great credit history, you stand a solid chance of being approved for the card.

What credit score is needed for Amex Platinum?

To apply for The Platinum Card® from American Express, you need to have a good or excellent credit score. This means you need a credit score of at least 700. The average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.

Is the Amex Platinum worth it?

If you can use enough of the travel benefits that come with the card, the $550 annual fee is definitely worth it. If you currently pay for lounge access, Global Entry, Uber, or incidental airline purchases, you’ll realize enough value to make having The Platinum Card® worthwhile.

How long does it take to get Amex Platinum card?

7 to 10 days

How do I get my Amex Platinum fee waived?

That means you can get the $550 annual fee waived for the Platinum Card® from American Express. The benefit is available as part of the Servicemembers Civil Relief Act (SCRA) and the Military Lending Act (MLA). The easiest way to get the fee waived is to call the number on the back of your card and request it.

Should I get Amex gold or platinum?

Amex Gold is the cheaper option, charging $250 per year versus Amex Platinum’s $550. The American Express Gold Card also is the better choice for people who spend a lot on dining. Platinum also provides more points on travel purchases. Both of these cards require good credit or better for approval.

What is the hardest credit card to get?

The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

What is the easiest AMEX to get approved for?

The USAA Secured American Express Card is the easiest American Express card to get. It’s issued by USAA, but it’s on the Amex card network, which means you can use it anywhere Amex is accepted. It’s also available to people with bad credit, unlike anything Amex offers.

What FICO score does AMEX use?

Unlike some of those competitors, though, Amex will be providing its cardholders not just with an educational FICO score, but their Fico Score 8, the actual credit score the issuer uses to manage cardmembers’ accounts that is based on data from Experian, one of the three major credit-rating agencies in the US.

Is Amex Platinum prestigious?

The Platinum Card® from American Express is arguably the most prestigious card on the market. It offers an intro bonus of 60,000 Membership Rewards® Points and up to 5x Membership Rewards points on purchases. It also comes with a long list of perks, including travel credits and airport lounge access.

What happens if you don’t pay Amex Platinum in full?

Effective January 1, 2017, you will lose AMEX Membership Rewards points earned on AMEX Platinum charge cards if you do not pay the monthly statement in full by the due date. And you’ll no longer be able to pay a fee to reinstate points after a late payment. Other AMEX charge cards may be impacted as well.

How do I get an AMEX black card?

The requirements to get a “black card” aren’t publicly available either, but based on other users’ reports, you should probably:

  • Use other Amex cards.
  • Be an active cardholder for at least a year.
  • Charge at least $250,000 per year (though some estimates are as high as $450,000)