The American Express Platinum Card is one of the most sought-after cards in the premium market, offering exclusive benefits, access to VIP lounges, and an extensive rewards program. However, to get the most out of what it offers, it’s important to understand how to apply correctly, what the requirements are, and who this card is really worth it for.
Basic Requirements
American Express does not publicly disclose a specific minimum income requirement for the Platinum Card, but it is designed for high-income individuals with a strong credit history.
The main requirements include:
- Minimum age: 18 years
- Good credit score (high rating and no recent late payments)
- Stable and verifiable income, compatible with the card’s profile
- Residence in the country where the card is being applied for
- Active bank account for automatic payments
In addition, Amex usually reviews your existing relationship with the company and your spending history on other products, which can increase your chances of approval.
Step-by-Step: How to Apply for the Card
- Visit the American Express website (or app, if you’re already a customer).
- On the The Platinum Card page, click “Apply Now.”
- Fill out the form with your personal data, income, and financial information.
- Submit your application and wait for the credit review.
- If approved, the physical card will be sent to your registered address—usually within 10 business days.
💡 Tip: If you already have another Amex card, the process can be faster, and you may receive personalized offers with higher bonuses.
Who the Card Is Recommended For
The American Express Platinum Card is ideal for people who value experience, comfort, and status.
It’s best suited for:
- Frequent travelers who benefit from VIP lounge access and hotel credits
- Premium service users, such as those using streaming platforms, Uber, hotels, and airlines
- Points enthusiasts who transfer rewards to airline or hotel partners
- Professionals and business owners who want business travel benefits and protection on international purchases
On the other hand, it’s not recommended for those looking only for cashback, who rarely use the card, or don’t take advantage of the credits offered.
Tips Before Applying
To increase your chances of approval and make the most of the card:
- Maintain a high credit score by avoiding late payments.
- Update your verified income before submitting your application.
- Use an incognito browser or switch networks to check for higher offers (some users report seeing bonuses of up to 150,000 points).
- Plan your spending to meet the welcome bonus requirement $8,000 within 6 months.
- Evaluate if the annual credits actually fit your lifestyle (Uber, streaming, hotels, etc.).
How to Cancel the Card
If the card no longer meets your needs, you can cancel it at any time.
The process is simple:
- Contact Amex support via phone, chat, or app.
- Request the formal cancellation and confirm there are no pending balances.
- Use or transfer your Membership Rewards points before cancellation—they expire once the account is closed.
💡 Tip: Before canceling, you can negotiate the annual fee with customer service—Amex often offers discounts or bonus points to retain clients.
FAQ — Frequently Asked Questions
1. Can I have more than one Amex Platinum Card?
Yes, but the benefits do not stack. Some users maintain one personal and one business Platinum card.
2. Do the credits expire?
Some credits, such as streaming and Uber, are monthly. If not used within the month, they do not roll over.
3. Is the Platinum a credit or a charge card?
It’s a charge card the full balance must be paid each statement cycle, though Pay Over Time options may be available for selected purchases.
4. Can I add supplementary cards?
Yes. You can add up to three additional cards with shared benefits (additional fees may apply).
5. Is the Platinum worth it if I don’t travel much?
Probably not. The Platinum is best for those who travel frequently or make full use of the included credits.
Conclusion
Applying for the American Express Platinum Card makes sense for those who value premium experiences and know how to maximize the credits and rewards it provides.
Before applying, evaluate your lifestyle and travel frequency if you use the benefits consistently, the value you get can easily outweigh the annual fee.
On the other hand, if you prefer simplicity and lower costs, you might be better off with a card that has a smaller annual fee or focuses on cashback rewards.
You will be redirected to the bank’s website