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.

While American Express does not publish a "hard" minimum score, the Amex Platinum Card generally requires a good to excellent credit score, typically 700 or higher. Applicants with a score in the high 600s may occasionally be approved if they have a substantial income or a long, positive relationship with American Express, but a score of 720+ provides the highest probability of success. In 2026, Amex also heavily weights your "credit utilization" and recent payment history. Since this is a "Premium" card with a high annual fee, they are looking for "high-value" consumers who demonstrate financial stability. If your score is currently below 690, it is a "pro-tip" to work on building your profile for 6 months before applying to avoid a "hard pull" on your credit report that might result in a denial.