Amex Platinum — Approval Odds & Credit Limit (2026)
The Amex Platinum is a travel card from Amex. Welcome bonus: 150,000 MR / $8k in 6 mo — until 08/07/2026!.
Credit limit range — this card
No preset limit (charge card)
The span of limits the Amex Platinum issues. Your personal limit depends on your profile — calculate your odds and limit →
Approval rate
63%
16 reported apps
Typical score
757
718–800 range
Approved
10
6 denied
Real reported 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
- 150,000 MR / $8k in 6 mo — until 08/07/2026!
- 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 credit limit does the Amex Platinum give?
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.
What is the approval rate for the Amex Platinum?
Of 16 reported Amex Platinum applications in our dataset, 63% were approved.
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 r/churning, r/CreditCards and myFICO, not the issuer. Not financial advice.