The American Express Platinum is a personal credit card from American Express Platinum. Application typically pulls a hard report from Experian. The annual fee is $895. The ongoing APR is 19.49%–28.49% variable after a N/A introductory rate. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: As High As 175,000 Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership.. Rewards: 5x points on flights booked directly with airlines or via Amex Travel, 5x on prepaid hotels via Amex Travel. $200 airline fee credit, $200 hotel credit, $200 Uber cash, $189 CLEAR Plus credit, $155 Walmart+ credit. Airport lounge access (Centurion, Priority Pass, Delta Sky Club).. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules..