Chip Lupo, Credit Card Writer
@CLoop
The Platinum Card® categories for bonus rewards are flights booked directly with airlines or with American Express Travel® and prepaid hotels booked with with American Express Travel®. Purchases that fall into the Platinum Card® bonus categories get cardholders extra rewards compared to the card’s base earning rate.
Whether a purchase falls into a card’s bonus categories depends on “Merchant Category Codes,” which are assigned by the major credit card networks to merchants based on what kind of business they conduct. So, if a merchant has the MCC for “dining,” for example, purchases made at that merchant will earn bonus rewards on cards that include “dining” as a bonus category.
If you’re looking to get a rewards credit card, it’s a good idea to choose a card that offers the opportunity to earn bonus rewards in your most frequent purchase categories. So, if you spend a lot in the categories offered on the Platinum Card®, it may be a good card for you.
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People also ask
Is it hard to get the American Express Platinum Card®?
Yes, it is typically hard to get the American Express Platinum Card® because it requires at least good credit for approval. Unless your credit score is good or better and you have a lot of income, it will be difficult for you to get approved for the Platinum Card®.
In order to get the Platinum Card®, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need...
read full answer by Chip Lupo, Credit Card WriterIs the American Express Platinum Card® worth the annual fee?
Yes, the Platinum Card® is worth its $895 annual fee if you qualify for its welcome bonus offer and take full advantage of benefits such as airport lounge access and airline fee credits. With the ability to earn rewards on everyday purchases and the luxury perks, it can provide significant value for those who travel frequently or prioritize premium experiences.
Platinum Card® Benefits
Welcome Bonus:
You may be eligible to earn as high as 175,000 points for spending $12,000 on eligible purchases within the first 6 months (welcome offers vary and you may not be eligible for an offer; apply and, if approved, find out your offer amount and accept the card with your offer, spend $12,000 in 6 months, and receive the points).
Statement...
read full answer by Lisa Cahill, Credit Cards ModeratorWhat are the American Express Platinum Card® requirements for approval?
The minimum requirements for the American Express Platinum Card® typically include being at least 18 years old, having a good credit score or better, and earning enough income to afford monthly bill payments. You also need to have a Social Security number or International Tax Identification Number.
Minimum American Express Platinum Card® Requirements
- Enough income to make the monthly minimum payment
- Good credit or better
- 18+ years old
- Social Security number or International Tax Identification...
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