The American Express Platinum credit score requirement is 700 or higher because applicants need good credit or better to be approved. But your credit score isn’t the only thing that determines whether you’ll be approved for the American Express Platinum card. Your income and any debt you’re carrying will also play a role in your approval odds.
If you don’t meet the American Express Platinum credit score requirement, there are plenty of other credit cards you can get. They likely won’t be from American Express, though, since all Amex cards require good or excellent credit. Once you get a credit card, be sure to make all of your payments on time, and only use a portion of your available credit. This will help raise your credit score so you can get a card like American Express Platinum in the future.
You can no longer get an American Express card with bad credit, now that the USAA Secured American Express card has stopped accepting new applications. So you have two options: become an authorized user on a friend’s or family member’s American Express credit card account, or apply for a non-Amex credit card that’s marketed as being for people with bad credit. For the latter approach, Capital One and Discover are two good options.… read full answer
If you’re not convinced, you can check for Amex pre-approval online to see for yourself before actually risking a rejected application.
It's harder to get an American Express card than it is to get a credit card from many other major issuers simply because all of Amex's credit card offers require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclaycard and Chase do too, for example. And if you're fortunate enough to have good credit or better, an American Express credit card will be no harder to get than any other credit card.… read full answer
The easiest American Express cards to get are those that require a minimum of good credit for approval, as opposed to excellent credit only. You may also want to target cards that are co-branded with companies such as Delta and Hilton as well as offers with lower annual fees. Co-branded cards often have relatively high approval rates to accommodate more fans of the brand (e.g. Hilton) in question. And some of Amex's premium cards for big-spenders, which can be relatively difficult to get, have high fees.
Of course, American Express also evaluates each applicant's income and debt obligations to make sure they can afford monthly bill payments on a new line of credit. But there isn't much information available about Amex's standards in those regards, and you shouldn't expect them to differ too much from other credit card companies' policies.
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. 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.