What credit score do you need to get an American Express Platinum card? (2024)

The Platinum Card® from American Express is one of the best travel cards available, and it's loaded with a host of luxury perks. Cardholders receive up to $1,500+ in annual statement credits, various travel and purchase protections and airport lounge access.

If these benefits are appealing to you, you'll want to do everything you can to maximize your approval odds. Knowing what credit score you'll need to qualify for the American Express Platinum Card® is an important first step.

The American Express Platinum Card® is a premium card with a range of benefits that can make paying its $695 annual fee worth it (see rates and fees). This card offers statement credits for:

• Walmart+: Up to $155 annually (Subject to auto renewal. Up to $12.95 plus applicable taxes on one membership fee.)
• Saks Fifth Avenue: Up to $100 annually* (Enrollment required)
• Equinox: Up to $300 annually* (Enrollment required)
• Select digital entertainment services: Up to $240 annually* (Enrollment required)
• Airline fees: Up to $200 annually
• Trusted traveler programs: $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues and receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Uber: Up to $200 annually (Uber Cash and Uber VIP status is available to Basic Card Member only.)
• Hotels (Fine Hotels & Resorts® and The Hotel Collection): Up to $200 annually; Hotel Collection requires a minimum two-night stay.

*(Enrollment required)

If you spend in just half of these categories and maximize the credits, it won't be hard to offset the cost of keeping the card.

It also earns American Express Membership Rewards points, which are useful for booking various types of travel. You can use Membership Rewards points to book cruises, rental cars, hotels, flights and more through the Amex Travel site. Amex points transfer to many valuable airline and hotel loyalty programs, many of which are great for booking luxury hotels or premium cabin award flights.

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

To qualify for The American Express Platinum Card®, you'll usually need a good to excellent credit score.

FICO® Score is one of the most commonly used credit scores, and it classifies credit scores into the following groupings:

• Very poor:300 to 579
• Fair:580 to 669
• Good:670 to 739
• Very good:740 to 799
• Excellent:800 to 850

To give yourself the best chance of being approved, you'll want a credit score of at least 670. However, having a pristine credit score doesn't guarantee your approval. Amex considers other factors, such as your income and history with Amex.

There are additional restrictions on qualifying for the Amex Platinum card's welcome bonus offer. You may not be eligible for the intro bonus if you currently or in the past have had either The American Express Platinum card or:

• The Platinum Card^®from American Express Exclusively for Charles Schwab
• The Platinum Card^®from American Express Exclusively for Morgan Stanley
• Previous versions of these Cards

During the application process, Amex will let you know with a pop-up window if you don't qualify for the bonus before you submit the application. If your application is rejected, you may want to call Amex's reconsideration lineto see if there is something you can do to change the outcome of your application.

Improving your FICO® Score

According to FICO, your score is based on the following weighted factors:

• Payment history (35%)
• Amounts owed (30%)
• Length of credit history (15%)
• New credit (10%)
• Credit mix (10%)

Two of the most important things you can do to improve your credit score over the long haul are to pay off your debt and consistently pay your bills on time.

One way to potentially boost your credit score is to use a service that helps put certain types of payment activity on your credit report (like rent or utility bills) that typically isn't included. *Experian Boost™ and eCredable Lift, for example, allow you to add payment data for select services and utilities to specific credit reports.

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*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

For rates and fees of The Platinum Card® from American Express, clickhere.