Amex Platinum — Spending Limit, Score & Approval Odds (2026)
The Amex Platinum is a travel card from Amex. The 150,000 MR / $8k in 6 mo welcome offer has ended.
Based on 16 real reported applications, 63% were approved — median approved FICO 757.
Amex Platinum spending limit
Spending Limit — this card
No preset limit (charge card)
The Amex Platinum is a charge card — spending power is set dynamically, with no preset limit. Your personal limit depends on your profile — calculate your odds and limit →
Credit score needed for the Amex Platinum
The issuer generally looks for a credit score of 700+. Approved applicants in our data had a median FICO around 757 (range 718–800).
Amex Platinum approval odds
Based on 16 real applications reported for the Amex Platinum, 63% were approved.
Approval rate
63%
16 reported apps
Approved
10
6 denied
Typical approved profile
757 FICO · 4% utilization · 2 recent inquiries — medians across 10 reported approvals. Lowest approved score on record: 718.
How the 6 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 708-49 pts vs approved
- Median utilization
- 19%+15 pts vs approved
Score alone doesn't decide it — the highest denied score on record, 722, is well above the lowest one we've seen approved. Utilization, recent inquiries and account age move the odds too.
Real reported Amex Platinum applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Amex Platinum requirements
- Suggested credit score
- 700+
- Min credit history
- 12 months
- Recommended utilization
- under 35%
- Recent hard inquiries
- up to ~5
- Credit limit range
- No preset limit (charge card)
- Annual fee
- $695
- APR
- Pay Over Time
- Welcome bonus (ended)
- 150,000 MR / $8k in 6 mo — offer ended
- Reports to
- Experian
Amex Platinum approval — FAQ
What credit score do you need for the Amex Platinum?
Approved applicants in our data had a median FICO around 757 (range 718–800). The issuer generally looks for 700+.
What is the credit limit for the Amex Platinum?
The Amex Platinum is a charge card — it has no preset spending limit. Spending power is set dynamically by the issuer based on your profile and history.
How to get approved for the Amex Platinum?
Aim for a credit score around 700+, keep utilization under 35%, keep recent hard inquiries to about 5 or fewer, have at least 12 months of credit history. If you're denied, you can request reconsideration at 1-800-567-1083 (24/7).
What are the requirements for the Amex Platinum?
Suggested score 700+, at least 12 months of credit history, utilization under 35%, and up to about 5 recent hard inquiries. Annual fee: $695. Reports to Experian.
What are the approval odds for the Amex Platinum?
Based on 16 real reported Amex Platinum applications, 63% were approved. Approved applicants had a median FICO of 757 and 4% utilization. Denied applicants had a median FICO of 708 and 19% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the Amex Platinum?
Of 16 reported Amex Platinum applications in our dataset, 63% were approved — the lowest approved score we have on record is 718.
Will you be approved for the Amex Platinum?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.