You’ll need to have a high score to apply for the Platinum Card® American Express, and you’ll need to have a high income to pay for the fees and rates. However, you’ll earn benefits that can be compared to luxury card benefits, especially for travel. But, some cards have more luxury benefits than the Platinum Card® from American Express.

You need a yearly income of at least $50,000 to be eligible for Amex Platinum. It’s possible to get approved for a credit card from American Express, including the Platinum card, but you’ll need to have a very high income as an individual. However, if you want the business Platinum card, you can have a low company revenue and still have a chance to get the card.

Even though American Express generally won’t check, don’t try to trick them by lying about your salary on the application. Submitting a credit card application with deliberately false information is a criminal offense under federal law. Therefore, being truthful when applying for an American Express card is to your best advantage.