The American Express Platinum card credit score requirement is 700 or higher. This means applicants need a good credit score or better to be approved for the American Express Platinum card in most cases.
American Express Platinum card’s credit score requirement isn’t the only thing that determines whether you’ll be approved, though. Your credit history, income and any debt you’re carrying will also play a role in your approval odds. In fact, reports around the internet suggest you can get approved with a 640 credit score if you have high enough income.
If you don’t meet the American Express Platinum card credit score requirement, there are plenty of other credit cards you can get. They likely won’t be from American Express, though, since 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 credit limit. This will help raise your credit score so you can get approved for a card like American Express Platinum card in the future.
Yes, Amex Platinum is hard to get approved for. It will be difficult for the average person to get Amex Platinum because of the card’s 700+ credit score requirement and reportedly high income requirement. Anecdotal evidence suggests most people need to make at least $40,000 to $50,000 per year and that approval odds are best with $100,000 or more in annual income.… read full answer
Another factor that makes it hard to get Amex Platinum is the card’s daunting $550 annual fee. However, if you are a big spender and are able to take advantage of the card’s substantial rewards and benefits, Amex Platinum can absolutely be worth it.
Amex Platinum isn’t the hardest Amex card to get, though. Its requirements are far more lenient than those of Amex Centurion, which is an invitation-only card that reportedly requires you to spend at least $100,000 per year on another Amex card and have an annual income of at least $1 million to qualify.
The USAA Secured American Express Card is the easiest American Express card to get. It’s issued by USAA, but it’s on the Amex card network, which means you can use it anywhere Amex is accepted. It’s also available to people with bad credit, unlike anything Amex offers. None of the credit cards issued by American Express is especially easy to get because they all require a minimum of good credit. That means a score between 660 and 720, although a score of 700+ will give you the best chance. … read full answer
The USAA Secured Card is available to people with bad credit, but it has an important restriction: You or a member of your family must have served in the U.S. military. I’ll fill you in on a few more important details below.
Here’s what you should know about the easiest American Express card to get:
Name:USAA Secured American Express Card
Card Network: American Express
Approval Requirements: You can get this card with bad credit, but you need be affiliated with the U.S. armed services or have a family member who is. USAA will also consider your income, expenses and debt.
Annual Fee: $35
Deposit: $250 to $5,000. Held in a CD that earns you interest. Serves as your credit limit.
APR: 11.15% to 21.15%, based on credit worthiness. You’ll have the same APR for purchases, cash advances and balance transfers.
The easiest American Express credit card to get is the USAA Secured Card, so long as you’re eligible for USAA products. Ifyou’re not, you might want to focus on one of the Amex cards that require good credit, like the Amex EveryDay Credit Card. And if you don’t get have good credit right now, consider a card from an issuer like Capital One, which has offers for people of all credit levels.
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