James Bronzz, WalletHub Analyst
@jbronz
You can apply for an American Express Platinum card online 24/7 or by calling (800) 243-3888 from 6 a.m. to 2 a.m. ET, 7 days a week. Applying online is the quicker method. In most cases, an online application will take about 10 minutes to complete and will generate a decision in as little as 30 seconds. If the application requires additional review, a decision may take up to 15 business days.
Here’s how to apply for the American Express Platinum card online:
- Click the “Apply Now” button.
- Choose your card design.
- Enter your personal information, such as your name, birthdate, address and Social Security number.
- Enter your financial information such as your total annual income and non-taxable annual income.
- Click the “Continue to terms” button.
- After reviewing all the terms and conditions, click on “Agree & Submit Application”
- After submitting your application, a soft inquiry will be made on your credit report and you will be told with certainty if you are approved.
- If approved, you can choose to accept the card. That will result in a hard pull, which may affect your credit score.
- You should receive a decision within 60 seconds.
In some cases, American Express may require supporting documents so it can further review the application.
If you’re approved, you’ll get your new American Express Platinum card in about 7-10 business days. If the application is denied, you can request a reconsideration by calling (877) 399-3083. Be prepared to make the case that the information in the application does not accurately reflect your current financial situation.

The Platinum Card® from American Express
People also ask
Did we answer your question?