What FICO score is needed for Amex Platinum?

The Platinum Card® from American Express requires good to excellent credit to qualify. This is typically defined as a credit score of 690 or better.

Which FICO score does Amex use?

We believe everyone should know their credit score and have the tools to understand it better. That's why we're giving you VantageScore^® 3.0 by TransUnion^®, and the key factors that affect your score for free, even if you are not an American Express^® Card Member.

Is it hard to get approved for an Amex Platinum Card?

Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have at least good credit and make a lot of money, you have a decent shot at getting approved.

Can I get Amex Platinum with 700 credit score?

To apply for The Platinum Card® from American Express, you need to have a good or excellent credit score. This means you need a credit score of at least 700. The average applicant has a score of 715. Although, some applicants have been approved with a credit score as low as 643.

What is the minimum income for Amex Platinum?

Salary Needed for Amex Platinum Credit Card

If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.

American Express Platinum Approval Odds - What Credit Score Needed for Amex Platinum Credit Card?

Can I get an Amex card with a 670 credit score?

While American Express doesn't publicize a minimum credit score for the Amex Gold Card, generally, applicants with a good credit score of 670 or above are more likely to qualify.

What is the easiest Amex card to get approved for?

When applying for the Amex Blue Card, try to have a good credit score, which is a FICO® Score of 670 or above. This is one of the easiest Membership Rewards cards to open, and even consumers with average credit scores have a decent chance of approval.

What is the hardest American Express credit card to get?

The hardest Amex card to get is the Centurion® Card from American Express. Also known as the “Black Card,” this Amex card is hard to get because it is available by invitation only, and potential candidates are rumored to need an annual income of at least $1 million.

What is the average Amex Platinum card limit?

The Platinum Card® from American Express has no preset spending limit, so the sky's the limit on this card. However, as a charge card, Amex expects you to pay your entire credit card debt every month. The card charges a high annual fee to offset its many benefits and rewards.

How is Amex Platinum limit calculated?

There essentially is no limit. Your limit is based on your normal spend on the card multiplied by 3.

Is Amex Platinum worth it 2022?

The Amex Platinum card is well worth it for frequent travelers who want luxury travel and lifestyle perks, and who can regularly take advantage of the card's premium benefits.

Is an Amex Platinum impressive?

Make no mistake --- the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

What bureau does Amex pull?

American Express appears to primarily pull credit reports from Experian, but this doesn't mean it doesn't occasionally pull from one or both of the other major consumer credit bureaus as well.

Can I get Amex platinum with 680?

To be approved for the Amex Platinum, you need to have a good or excellent credit score. This means you need a credit score of at least 700. If you're hovering around the 700 mark, it may be best to wait to apply when your score increases as the average applicant has a score of 715.

Is platinum Amex better than gold?

Is Gold Card Higher Than Platinum? Both Amex Gold and Platinum offer a range of benefits, with the Gold card catering more to everyday spending and the Platinum card designed more for travelers. The Platinum card has more benefits, but it's annual $695 fee is higher than the Gold card's $250 fee.

What is the highest Amex card?

The American Express Centurion Card is the official name of the Amex Black Card. The Black Card is a high-end, exclusive charge card issued by American Express. Cardholders must meet certain criteria to be extended an invitation.

What is the minimum income for Amex Gold?

Another major requirement is a steady income. American Express does not disclose a specific income requirement, but it will need to be enough to make payments on the card and to afford the $250 annual fee.

Does checking FICO score on Amex lower it?

No, checking your credit score or credit report through American Express'^® MyCredit Guide will not impact or lower your credit score.

Which FICO score is most popular?

FICO 8 is still the most widely used FICO credit score today. If you apply for a credit card or personal loan, odds are that the lender will check your FICO 8 scores from one or more of the major credit bureaus.

Does American Express use FICO 8?

American Express provides its cardholders with not only an educational FICO score but also their Fico Score 8.

Can I buy a car with Amex Platinum?

Purchasing a Car With Your AMEX Platinum Card Is an Easy Way to Meet the Minimum Spending Requirement and Earn a Big Bonus! The $20,000 minimum spending requirement on the AMEX Business Platinum card is a lot for most folks to spend in 3 months, which is one reason why buying a car with this card makes sense!

Is Amex American Express platinum worth it?

The Amex Platinum Card is only worth the annual fee if you'll use enough benefits to recoup the fee. You could easily offset the fee with the statement credits alone, but this card also offers the chance to earn boosted rewards on travel purchases, too.

Are Amex card holders rich?

No,. American Express is not specifically for rich people, even though it does have a high level of status in many people's minds. Applicants need good or excellent credit scores of 700+ to qualify for Amex credit cards, and you don't need to be rich to have a good credit score.

Why is the Amex Black Card so special?

The privileges of a black card include upgrades and special permissions for rental cars and access to some of the most breathtaking hotel suites in hard-to-reach destinations. Black cards also offer dedicated concierge services, and some are even rumored to provide charter jet service.

Why is Amex so hard to get?

Yes, it's hard to get an American Express card because they all 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. Barclays and Wells Fargo do too, for example.