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What Credit Score Do You Need to Get the Amex Platinum Card in July 2025?

Motley Fool
07-24

With an amazing credit card comes a high bar. Amex doesn't just hand The Platinum Card® from American Express out to anyone. If you want access to airport lounges, hotel upgrades, and over $1,500 in potential annual value, your credit profile needs to be in excellent shape.

And for most folks in July 2025, it's generally suggested to have a good to excellent credit score (usually at least 670) -- but preferably higher.

Ratings Methodology

The Platinum Card® from American Express

Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees

4.50/5Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.50/5Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score:Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees

Credit ScoreCircle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

APR

See Pay Over Time APR

RewardsCircle with letter I in it. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®. 1X Membership Rewards® Points on other purchases. Terms apply.

1X-5X Membership Rewards® Points

Annual Fee

$695

Welcome OfferCircle with letter I in it. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 175,000 points. Find Out Your Offer.

  • This luxury travel card has some of the most prestigious perks you'll find — access to over 1,400 airport lounges, elite status with Hilton and Marriott Bonvoy (enrollment required), and spending credits worth over $1,500 in value every year. Just be ready for the hefty annual fee, which can be offset in the first year with a welcome offer. Terms apply.

    Read Full Review
    • Big welcome offer
    • Substantial spending credits
    • Airport lounge access
    • Hotel benefits
    • Flexible travel points
    • Annual fee
    • Limited bonus categories
    • Spending credits can be complicated to manage
    • You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
    • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
    • Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
    • A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
    • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
    • $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
    • Receive either a $120 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.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
    • $695 annual fee.
    • Terms Apply.

What credit score do you actually need?

Anecdotal reports suggest the highest qualified applicants for the Amex Platinum Card typically have a credit score of at least 700.

If your score is in the 670 to 699 range, and potentially even lower, you still might qualify based on other criteria -- but approval will depend heavily on the rest of your financial profile.

If you're below 670 right now, it's usually best to wait and build your credit before applying.

While your score is a big factor, it's not the only thing that matters -- so don't stress if you're hovering near the threshold.

Already have a great score and solid credit profile? Apply for the Amex Platinum Card today.

Other factors that matter

Think of your credit score like a first impression. It sets the tone -- but it's not the full story. Here are the other things that may come into play:

  • Your income and debt load: With a $695 annual fee (see rates and fees), issuers want to be sure you're not stretched too thin. The best combo is folks with a higher income and low existing debt.
  • Your payment and credit history: A long track record of on-time payments -- and accounts you've held for several years -- builds trust. A short or patchy credit history can hurt your odds.
  • Your relationship with Amex: Do you already have an Amex card? You might get a pre-approval or see a custom offer pop up in your account. That existing relationship history matters.

If you're still working on your credit profile, check out these other top travel cards you may qualify for while you're working to build credit.

Is the Amex Platinum Card worth it?

I had the Amex Platinum Card for several years back when I was traveling a ton for work. And for me it was absolutely worth it. I took full advantage of the lounge access, hotel upgrades, and all the travel goodies I could squeeze out.

But these days, I'm not flying nearly as often (and when I do, it's more goldfish-and-stroller travel with my kids vs. champagne-in-business-class). So for my current lifestyle, the card doesn't really make sense.

That's the thing with luxury cards. You really need to take advantage of the perks to get the most out of them.

Here are some of the standout benefits of this card:

  • Access to Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs (when flying Delta)
  • $200 airline fee credit and $200 in hotel credits
  • $199 CLEAR® Plus credit to speed through airport security
  • Hotel elite status with Hilton and Marriott
  • $240 in digital entertainment credits (think: Disney+, Hulu, Peacock)
  • $200 Uber Cash and $100 Saks credit
  • Global Entry or TSA PreCheck fee credit
  • Terms apply; enrollment may be required

If you're someone who uses these perks regularly, the ROI is definitely there.

Oh, and don't forget the welcome offer…

Apply and find out if you are eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

That could pay for a nice chunk of travel if you qualify.

So your first year could be quite rewarding, even if you're not 100% certain all the benefits line up with your lifestyle long term.

Curious what offer you might qualify for? Check your eligibility and see if the Amex Platinum Card is a rewarding fit for your travel style.

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