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.
To apply for an American Express Platinum card online, click the “Apply Now” button. You will have to enter your name, birthdate, address and Social Security number. Financial information such as a bank account number and your monthly housing payment is also required. 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.
American Express Platinum card income requirements aren’t public knowledge, but applicants with an annual income of $100,000 and above tend to have the best odds of approval, according to anecdotal evidence. Some forums, however, report people getting the Platinum card with an annual salary of $40,000-$50,000.
Officially, Amex just requires that applicants demonstrate an ability to afford the card’s $550 annual fee and pay the entire balance in full, when applicable. Generally, the higher one’s annual income and the lower one’s debt, the better the chance of being approved. But in addition to the Amex Platinum card income requirements, American Express considers factors such as your credit score, payment history and debt-to-credit ratio, among others.… read full answer
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.… read full answer
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.
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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