American Express Business Platinum Card Approval Tips

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American Express Business Platinum Card Approval Tips

Million Mile SecretsAmerican Express Business Platinum Card Approval TipsMillion Mile Secrets Team

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If you like to earn welcome bonuses for Big Travel, applying for AMEX small business cards can be a great way to boost your rewards balances.  And with The Business Platinum® Card from American Express, you can earn up to 75,000 AMEX Membership Rewards points after meeting tiered minimum spending requirements.

That’s one of the biggest small business card bonuses being offered right now!

American Express Business Platinum Card Review 2018
Team Member Keith LOVES the Ongoing Perks of the AMEX Business Platinum Card, Which Is Why He Keeps the Card in His Wallet!

I’ll share tips for getting approved for the AMEX Business Platinum card.  As well as a reminder about why this card could be a great option for you!

Maximize Your Chances of Getting Approved for the AMEX Business Platinum Card

If you’re considering applying for the AMEX Business Platinum card, the good news is, AMEX small business cards are relatively easy to get.

1.   Determine Your Eligibility

As long as you’re operating a for-profit business (even if you have very low income), you can qualify for an AMEX small business card!

Just remember, AMEX only allows folks to earn a welcome bonus once per card per lifetime.  But you can get the bonus once per lifetime for the personal version, and once per lifetime for the business version.

Complete the Tiered Spending Requirements on the AMEX Business Platinum Card and You’ll Have Enough Points for 2 Round-Trip Tickets From the US Mainland to Hawaii!

Here’s more about how to qualify for a small business credit card (and why you should get one!).  And 7 quick business ideas to earn more miles & points.

2.   Know Your Credit Score

According to many data points from credit card forums and other folks within the miles & points hobby, the AMEX Business Platinum card usually requires “good” to “excellent” credit.

In general, a score of 700+ is considered good.

Why Do Banks Deny Credit Card Applications
Banks Will Look at Your Credit Score and Other Factors Before Deciding to Issue You New Credit

Plus, because the AMEX Business Platinum is a charge card and NOT a credit card, you are not getting a revolving credit line.  This means it could be easier to qualify as long as you have good credit history.  But you’ll have to pay the balance in full each month.

I was instantly approved when I applied for the AMEX Business Platinum card a little over a year ago.  And many other Million Mile Secrets team members have had the same experience!

But no matter how great your credit score is, American Express always has the final say.  They look at many factors, and can decline you for any reason, including:

  • Credit limit across accounts
  • Credit utilization
  • Too many recent credit card applications
  • Too many AMEX cards

3.   Fill Out the Application Correctly

The AMEX Business Platinum card application is very straightforward.  But you’ll need to answer more questions than you would on a personal card application.

If you’re an existing American Express customer, you can login to your account to have the application automatically enter your existing personal information.

You can apply using just your social security number if you don’t have an EIN (Employer Identification Number).  Plus, AMEX does NOT have strict income requirements for small business cards.

Sole Proprietors Use Their Social Security Number as a Tax ID

Million Mile Secrets team members Meghan, Keith, and Harlan have always used their social security numbers to apply as sole proprietors for small business cards.  And if you’re applying as a sole proprietor (meaning you’re not in any type of partnership), you can use your name as the legal business name.

Here’s a complete guide to filling out American Express small business card applications!

4.   Include ANY and ALL Income You Earn!

Besides your credit score, the total income you report on your credit card application can be an important factor in receiving approval and the amount of your credit limit.

Most banks allow you to include income beyond traditional salaries and wages.  You can include things like:

  • Investment income from stocks and rental properties
  • Social security
  • Retirement benefits
  • Military allowances
  • Shared income from a partner

Just be sure to tell the truth in your application.  If you’re including income from non-traditional sources, be prepared to explain it to the bank!

5.   Call the Reconsideration Line If You Need To

When you apply for a credit card, you’ll see 1 of the following results: approved, declined, or pending application.

If you’re not automatically approved for the card, I recommend NOT calling the reconsideration line, but instead waiting until you get a message from AMEX telling you their decision (or you see the result through your online application status).

That said, if you’re declined in the end, it’s worth a call to the bank’s reconsideration line.  So you can speak to a credit representative to find out what’s going on.

Smile and Dial!  Sometimes It Just Takes a Quick Phone Call to Get an Approval!

A few tips to remember when calling the reconsideration line:

  • Be friendly.  Customer service representatives will appreciate kindness because they put up with a lot!
  • Know WHY you are applying for this card, other than the bonus.  Know key features of the card that you’ll use.  Do NOT say you just want the welcome bonus
  • Be prepared to provide documentation regarding your business, such as a copy of a business card, proof of mailing address, invoices, etc.

Here are 5 ways to make your credit card reconsideration telephone call a success!

AMEX Business Platinum Card

Link:   The Business Platinum® Card from American Express

Link:   My Review of the AMEX Business Platinum Card

The AMEX Business Platinum card is currently offering a welcome bonus of 75,000 AMEX Membership Rewards points after meeting the following spending requirements:

The card also comes with perks like:

Although the $450 annual fee is NOT waived the first year, you can get LOTS of Big Travel with the welcome bonus alone.

AMEX Membership Rewards points are popular transferable points to collect.  Because you get flexibility to redeem points for award travel with any of the 19 AMEX airline or hotel partners.  You can also use points to buy gift cards to popular stores and restaurants.

AMEX Business Cards Do NOT Get in the Way of Future Chase Card Applications

Another great aspect of the AMEX Business Platinum card is that it does NOT count towards Chase’s 5/24 rule.  Because AMEX business cards will not show up on your personal credit report.

So getting this card won’t hurt your chances of being approved for Chase cards in the future!

Bottom Line

The AMEX Business Platinum card has one of the best bonuses of any small business credit card right now!  You’ll earn up to 75,000 AMEX Membership Rewards points after meeting tiered minimum spending requirements.

To improve your odds of being approved for the AMEX Business Platinum card, make sure you meet requirements like:

  • Have a credit score of 700+
  • Operate a for-profit venture
  • Have NOT received the welcome bonus from the AMEX Business Platinum before

Ultimately, American Express has the final say in whether you’ll be approved.

If your application isn’t immediately approved, you should wait for the automated system to make a decision.  If you’re declined, you should call AMEX to be reconsidered.

If you have any tips of your own, please share them in the comments to help your fellow readers!

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The Business Platinum® Card from American Express

The Business Platinum® Card from American Express

  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply
  • See Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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DebrianTravels.com

I have found being approved for Amex Business cards to be very easy. I have three or four now and I have already cancelled the Business Gold Rewards card. My blog is hardly a big money professional site, but even honestly reporting its low income, I have never been denied. Granted, my personal credit score is very high. BTW, the same can be said for Citi and Chase business cards, but I only have one business apiece from those other banks.

can AmEx points be combined with other household family members?