The American Express Optima Platinum card was the first Amex credit card to give cardholders the option to carry a balance when it launched in 1987. Although the Optima Platinum card has officially been discontinued for years now, it’s rumored that Amex will still invite people to apply for the card if another of their Amex credit accounts has been charged off.
Many Optima Platinum cardholders claim to still have their accounts open, and some forum users say they’ve gotten their Optima Platinum cards “auto-upgraded” to other Amex products over the years, such as the Amex EveryDay card. Nevertheless, American Express Optima Platinum is not available to the general public.
The American Express Platinum card points per dollar earnings are as follows: 5 points per $1 on flights booked with airlines or with American Express Travel (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked through Amex, and 1 point per $1 on all other purchases.… read full answer
In addition to these ongoing rewards, the American Express Platinum card also offers new cardholders an initial bonus of 100,000 points for spending $6,000 in the first 6 months. Charges for travelers’ checks, prepaid cards, gift cards, cash equivalents such as lottery tickets, fees and interest do not earn points.
More info about the American Express Platinum card points:
American Express Platinum card points are worth 1 cent each when redeemed for airfare or stays at Fine Hotels & Resorts properties booked through the American Express Travel portal. Points used for most other forms of travel are worth just 0.7 cents each, however. In addition, points are worth 1 cent each toward most gift cards, 0.6 cents toward statement credits or 0.7 cents when using the Pay with Points feature for purchases at major retailers like Amazon or Best Buy.
Just remember that American Express Platinum card point values are subject to change. Visit the Membership Rewards Points calculator website for current point values and other redemption options. American Express Platinum card points do not expire as long as your account isn’t closed due to inactivity and you keep your account in good standing. Points are forfeited when losing an account, so make sure to redeem them before that.
The most prestigious American Express card is the Centurion® Card from American Express. You need an invitation to get it, unfortunately. You can also request a Centurion® Card from American Express invitation online. While Amex doesn’t disclose the requirements, online reports say you have to spend at least $100,000 a year on an Amex card to merit consideration. The Centurion® Card from American Express also has a $10,000 initiation fee and a $5000 annual fee. Cardholders get access to Centurion Lounges, hotel benefits, a … read full answerpersonal concierge, and more. They also earn 1 point per $1 spent on all purchases.
The Platinum Card® from American Express is also among the most prestigious American Express cards. It offers new cardholders 100,000 points for spending $6,000 in the first 6 months. And it makes for a great travel companion that earns 5 points per $1 on flights booked with airlines or with American Express Travel (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked through Amex, and 1 point per $1 on all other purchases. Among its many perks, it also offers concierge service and access to a host of worldwide airport lounges. And it charges a $695 annual fee, which makes it significantly more affordable than the Centurion® Card from American Express.
Keep in mind that the best American Express cards aren’t necessarily the most prestigious ones. Amex has a range of offerings with rewards for various spending habits. If exclusivity isn’t a top priority, it’s best to pick a card that best fits your needs.
People drive me nuts with these answers, critical thinking skills are missing. Even if the cards are “hard” to get it still has levels. I read the question not as “is it easy to get an Amex” but “which card has the lowest requirements?” Lowest requirements doesn’t mean 500 credit score it simply means the lowest for that company which could be 750, it’s not a low number but is the LOWEST REQUIREMENT. From reading the answers NONE of you answered the question just went on your personal rant. So for clarity I will re-ask the question for the OP.… read full answer
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.