July 30, 2026 • 5 min read Jump to section Facebook Twitter LinkedIn Copy URL Email The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don’t cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information. Editor's Note This is a recurring post, regularly updated with new information and offers. If you have a small business and spend a lot of time on the road or in the skies, you may want to add The Business Platinum Card® from American Express to your wallet. It's one of the best business cards on the market.
Frequent travelers will benefit from the Amex Business Platinum's lounge access , hotel elite status and statement credits.
New cardmembers can find out their offer and see if they're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. (Welcome offers vary, and you may not be eligible for an offer.)
If you're interested in applying for the Amex Business Platinum, you may wonder whether you have a good enough credit score to be approved.
Let's discuss some common questions about the ideal credit score needed to get the Amex Business Platinum.
American Express doesn't state a minimum credit score for Amex Business Platinum applicants. However, you will generally need good or excellent credit to be approved.
Amex will perform a credit check with consumer and business credit bureaus when you apply for an Amex business card . In the event that your small business does not have any business credit history, Amex will rely primarily on your personal credit history and other information about your business to determine whether to approve your application.
Of course, each application and small business is different. As such, Amex may approve your application even if you or your company has a lower credit score .
However, applicants with lower credit scores generally need a stronger overall application, such as solid business revenue, lower existing debt or an established history with American Express.
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Related: What credit score do you need for business credit cards?
First, it's essential to understand that not all credit scores are the same. As such, even at a given time, you don't have just one credit score. Instead, your credit score may differ across calculation methods and credit reporting agencies. For example, your Experian FICO score may differ from your TransUnion VantageScore.
FICO states that it calculates credit scores using credit data from your credit report in the following proportions:
As you can see, several factors impact your credit score. As such, it's important to understand credit before applying for cards.
Related: 3 real ways to boost your credit score in 30 days
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