Credit Cards
American Express Platinum Review: up to 175K points
The American Express Platinum credit card will not disappoint you. In this article, you'll learn everything about one of the best travel cards on the market. Discover the pros and cons and check the eligibility requirements!
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Note: Some information in this post might be outdated. For the most current documentation and updates, please refer to the product’s original page.
American Express Platinum credit card: your ticket to world-class travel benefits

The American Express Platinum credit card is for you if you enjoy having facilities and benefits while traveling.
It’s no secret that American Express is one of the most highly respected credit card companies in the world. Their silver card has an excellent reputation, many perks, and rewards. But is it worth the high annual fee?
In this post, we’ll take a close look at all the features of the Amex Platinum card. You can learn more about all the benefits this silver card will bring to you.
So whether you’re considering applying for the Platinum card or want to learn more about it, keep reading!
| Credit Score | Recommended above 720 |
| Annual Fee | $895 |
| Regular APR | 19.74% to 28.74% (variable) |
| Welcome bonus | New members earn 175,000 Membership Reward Points after spending $8,000 |
| Rewards | 1x to 5x Reward Points for selected purchases |
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How American Express Platinum credit card works?

This card has the best ratings in every credit card expert’s reviews. Its good performance keeps the Platinum credit card reliable for over 40 years.
With your American Express Platinum, nobody will deny your purchase. It has no preset limits. Also, it has no foreign transaction fees, which is great if you travel a lot.
This silver card works like every other credit card. So why is it called a travel card?
The majority of its perks directs towards travel facilities. That means you will have access to airport lounges, elite status at hotels, rental discounts, and so on.
Considering the high annual fee, it will not be worth it if you don’t travel so much. However, an expert credit cardholder will extract good value in benefits and discounts.
American Express Platinum Credit card pros and cons
It is imperative to weigh the pros and cons before deciding on a new credit card. This card has a high annual fee, so it can’t be a rash decision.
Check some of them listed in this review:
Pros
- Thousand of dollars worth in perks in the first year.
- Gold Elite Status at Hilton Honors and Marriott Bonvoy.
- No foreign transaction fees.
- Premium Car Rental Status.
- Excellent welcome bonus in Reward Points you can easily redeem and don’t expire.
- Access to airport lounges in thousands of airports.
- Preferred Seats at entertainment events.
Cons
- Hefty annual fee, in comparison with other credit cards in the market.
- It may be a bad day-by-day credit card, as most of its valuable perks reflect upon air tickets and hotels.
- No cashback program, just the Membership Reward Points.
What credit score do you need to have?
The American Express Platinum is a high-status travel card. Your credit score has to be at the same level.
You are more likely to be approved with a 720 credit score or above. Remember your credit history is essential to compose your credit score. It would help if you continually educate yourself about building a healthy credit score.
How to apply for American Express Platinum credit card?
You can apply for your Platinum membership within minutes at the American Express website if you fulfill the requirements above.
Here at Stealth Capitalist, you can find a post explaining in detail how to apply.
Apply online

The whole application process is made online.
Go to the American Express website. There, you’ll find info about the Platinum credit card.
You can analyze the perks, the discounts you’ll get at a variety of services, the conditions, and fees.
Hit the button “apply now”. Be ready to click the button right away if you receive more than 100,000 Membership Reward Points as an offer. You can get 125,000 or even 150,000 if you’re lucky.
You’ll be redirected to a form, whit basic info. Full name, social security number, contact information.
Also, American Express wants to know how much you earn. After all, can you afford to be a Platinum member?
Before applying for the American Express Platinum card, check if you fulfill the basic requirements. Otherwise, save your energy and time.
To be considered, you’ll need the following:
- Excellent credit score, as the recommended is at least 720
- Respectable credit history. As the card have no preset credit limit, you need a reliable reputation to be approved.
- At least $50,000 income per year, as well as a steady source of this income.
Apply using the app
The application can not be done by any app. The only way to apply is through the American Express website.
American Express Platinum credit card vs. American Express Gold credit card
To help you decide whether you’ll apply for the American Express Platinum or not, we’ll give you a comparison with the American Express Gold. Check their features and see which one is the best for you:
| American Express Platinum card | American Express Gold card | |
| Credit Score | 720 or higher (recommended) | 670 or higher |
| Annual Fee | $895 | $250 |
| Regular APR | 15.99% to 22.99% (variable) | 5.99% to 22.99% variable |
| Welcome bonus | 175,000 Membership Reward points (after $8,000 spent) | 60,000 Membership Reward points (after $4,000 spent) |
| Rewards | 1x to 5x Reward Points for each dollar spent (according to the category of each purchase) | 1x to 4x Reward points for each dollar spent (according to the category of each purchase) |
American Express® Gold Card Review
Check out how to apply for the American Express Gold card and enjoy reward points, discounts, and many other benefits!
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