Ready to unlock a world of unparalleled travel, lifestyle, and financial benefits, all while serving our great nation? The American Express Platinum Card for military members is often considered a holy grail for active-duty servicemembers, Guard and Reserve members on qualifying active orders, and even their spouses, primarily due to the annual fee waiver under the Servicemembers Civil Relief Act (SCRA) and Military Lending Act (MLA). This guide will walk you through every crucial step to applying for this prestigious card and maximizing its incredible perks.
Embarking on Your Amex Platinum Military Journey: A Step-by-Step Guide
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| How To Apply For American Express Platinum Military |
Step 1: Are You Ready to Unleash the Power of Platinum? (Eligibility Check)
Before you even think about hitting that "Apply Now" button, let's make sure you're properly positioned for success. The American Express Platinum Card is a premium product, and while military benefits make it exceptionally attractive, there are still some fundamental requirements.
Sub-heading: Understanding Military Eligibility for Fee Waivers
Active Duty Servicemembers: This includes members of the Army, Navy, Air Force, Marine Corps, and Coast Guard serving on active duty.
National Guard and Reservists: If you are on active duty orders for 30 consecutive days or more (including Title 10 and Title 32 orders), you are typically eligible.
Commissioned Officers of the Public Health Service and NOAA: These individuals also fall under the umbrella of eligible servicemembers.
Dependent Spouses: This is a huge benefit! Spouses of eligible active-duty servicemembers can also qualify for the annual fee waiver, often by opening their own accounts.
Sub-heading: General Creditworthiness Considerations
While military status waives the annual fee, you still need to meet American Express's general credit standards.
Good to Excellent Credit Score: Typically, a FICO score of 700+ is recommended. Amex often prefers applicants with at least 1-2 years of clean credit history, demonstrating on-time payments and responsible credit utilization.
Steady Income: While there's no strict income threshold, an annual income of $50,000+ is generally advised. However, applicants with lower incomes can still be approved if they have a strong credit profile and a low debt-to-income (DTI) ratio.
U.S. Citizenship or Permanent Residency: This is a fundamental requirement for most American Express cards.
Action Point: Are you currently on active duty or qualifying orders? Do you have a solid credit history? If yes, proceed with confidence! If not, take some time to build your credit before applying. You can check your FICO score for free through services like American Express MyCredit Guide, which won't impact your score.
Step 2: Timing is Everything – When to Apply for Maximum Benefit
This step is crucial for ensuring you receive the automatic fee waiver under the Military Lending Act (MLA).
Sub-heading: The Power of the Military Lending Act (MLA)
The Military Lending Act (MLA) is a federal law that provides protections for active-duty servicemembers and their dependents concerning certain credit products. For credit cards, a key aspect of MLA is that if an account is opened while you are on active duty, American Express will automatically check your eligibility against the MLA database and apply benefits, which often include waiving the annual fee.
Sub-heading: Why Apply While on Active Duty
Reminder: Focus on key sentences in each paragraph.
Automatic Fee Waiver: When you apply while on active duty, American Express will run your Social Security Number against the MLA database. If you're identified as a "Covered Borrower," the annual fee (and other associated fees like authorized user fees) should be automatically waived. This is often the smoothest path to securing the fee waiver.
Simplicity: Compared to retroactively applying for SCRA benefits (which we'll touch upon later), applying while on active duty under MLA is often a "set it and forget it" process for the fee waiver.
Action Point: If you are currently on active duty, apply NOW! If you're about to go on active duty, it's generally best to wait until your active duty status begins to ensure the MLA benefits are automatically applied.
Step 3: Navigating the Application Process
Now that you've confirmed your eligibility and timed your application strategically, let's get down to the actual application.
Sub-heading: Online Application – Your Best Bet
American Express offers a streamlined online application process. This is typically the easiest and fastest way to apply.
Find the Official Application: Go directly to the American Express website. Be wary of unofficial links.
Fill Out Personal Information: You'll need to provide standard details:
Full Name
Social Security Number (SSN)
Date of Birth
Address (current and sometimes previous)
Contact Information (phone, email)
Income and Employment Information
Crucial Tip for Military: When asked about your source of income, select "Military" if it's an option. This helps trigger the MLA database search by American Express.
Review Terms and Conditions: While you're expecting a fee waiver, always take a moment to review the card's terms and conditions, including rewards programs, interest rates (though these are also often capped under MLA/SCRA), and other fees.
Submit Your Application: In many cases, you'll receive an approval decision within minutes.
Sub-heading: What if MLA Benefits Aren't Applied Automatically?
While American Express is generally good about automatically applying MLA benefits, sometimes a manual review is needed.
Check Your Cardholder Agreement: After approval, look for a statement in your cardholder agreement that confirms you've been identified as a "Covered Borrower" under the Military Lending Act.
Contact American Express: If you believe you qualify but the benefits haven't been applied, don't panic. Contact American Express Member Services directly. The number 1-800-253-1720 is often cited for military benefits. Be prepared to explain your active duty status and politely request a review for MLA benefits. It's often helpful to do this within 12 months of opening your account.
Step 4: Activating Your Card and Confirming Benefits
Once approved, the journey isn't over yet!
Sub-heading: Card Activation and Online Account Setup
Activate Your Card: Once your physical card arrives, activate it online or by phone.
Set Up Online Account: If you haven't already, register for online services with American Express. This allows you to manage your account, view statements, track rewards, and more.
Sub-heading: Verifying Your Fee Waiver and Benefits
Check Your First Statement: The most important thing to look for is the annual fee. It should show as waived or credited back to your account.
Confirm Benefits: Explore your online account or the Amex app to see if you have access to all the Platinum Card benefits, such as Global Lounge Collection access, various statement credits, and elite statuses.
Step 5: Understanding SCRA vs. MLA (and What It Means for You)
QuickTip: Reread for hidden meaning.
It's vital to grasp the difference between these two acts, as it dictates how your fee waiver is handled, especially if your situation differs from applying while on active duty.
Sub-heading: The Servicemembers Civil Relief Act (SCRA)
Applies to Accounts Opened Before Active Duty: If you had an American Express account before you began your active duty service (or qualifying orders), you would typically seek relief under SCRA.
Request Required: Unlike MLA, SCRA benefits usually require you to proactively request them from American Express. This involves providing documentation of your active duty status (e.g., active duty orders, a letter from your commanding officer).
How to Request SCRA Benefits:
Online: Log into your Amex account, navigate to "Account Services," then "Card Management," and look for "Servicemembers Civil Relief Act (SCRA) Benefits." You can often upload your active duty orders here.
Phone: Call the number on the back of your card or 1-800-253-1720.
Fax: Send documents to 623-444-3000, including your account number.
Mail: Send a copy of your orders and account details to: American Express, Attn: Servicemembers Civil Relief Act, PO Box 981535, El Paso, TX 79998-1535.
Benefits Under SCRA: Similar to MLA, SCRA typically leads to the waiver of annual fees, authorized user fees, and a reduction of interest rates to 6% on debts incurred prior to active duty.
Sub-heading: The Military Lending Act (MLA)
Applies to Accounts Opened While on Active Duty: As discussed, if you open a new Amex personal credit or charge card while on active duty, you're generally covered by MLA.
Automatic Application: American Express automatically checks for MLA eligibility at the time of application. If you're a "Covered Borrower," the benefits are applied automatically.
Benefits Under MLA: Fee waivers (annual fees, authorized user fees) and a cap on the Military Annual Percentage Rate (MAPR) at 36%.
Key Takeaway: If you're applying for a new card, aim for MLA (apply while on active duty). If you have an existing card and then go on active duty, apply for SCRA. The benefits (especially the fee waiver) are largely the same.
Step 6: Maximizing Your Amex Platinum Military Benefits
The annual fee waiver is fantastic, but it's just the beginning. The American Express Platinum Card is packed with premium perks.
Sub-heading: Unlocking Travel Luxuries
Global Lounge Collection: Enjoy complimentary access to a vast network of airport lounges, including the prestigious Centurion Lounges, Priority Pass lounges, Delta Sky Clubs (when flying Delta), and more. This is a game-changer for military travel!
Hotel Elite Status: Gain automatic Gold Elite status with Marriott Bonvoy and Hilton Honors, offering benefits like room upgrades (when available), late checkout, and bonus points.
Airline Fee Credit: Receive up to $200 in statement credits annually for incidental fees (like baggage fees, in-flight purchases) on one selected airline. (Enrollment required).
Uber Cash: Get up to $200 in Uber Cash annually ($15 per month, plus a bonus $20 in December), which can be used for Uber rides or Uber Eats in the U.S. (Enrollment required).
Global Entry/TSA PreCheck Credit: Receive a statement credit for the application fee for Global Entry ($100 every 4 years) or TSA PreCheck ($85 every 4.5 years). Essential for faster airport security.
Fine Hotels + Resorts & The Hotel Collection: Access exclusive benefits at participating properties, such as complimentary breakfast, room upgrades, and property credits.
Sub-heading: Everyday & Lifestyle Benefits
Digital Entertainment Credit: Up to $240 annually ($20 per month) for eligible streaming and digital entertainment services (enrollment required).
Equinox Credit: Up to $300 annually for Equinox memberships or digital subscriptions (enrollment required).
Walmart+ Membership Credit: Up to $155 annually to cover the cost of a Walmart+ membership (plus sales tax; enrollment required).
Saks Fifth Avenue Credit: Up to $100 in statement credits annually ($50 semi-annually) for purchases at Saks Fifth Avenue or saks.com (enrollment required).
Premium Roadside Assistance: Access to services like towing, jump-starts, and flat tire changes.
Action Point: Enroll in all applicable benefits as soon as your card is active! Many credits require prior enrollment.
Step 7: Adding Authorized Users (Spouses, Family)
This is another significant advantage for military families, as authorized user fees are also waived for eligible dependents.
Sub-heading: The Benefits of Authorized Users
Tip: Read mindfully — avoid distractions.
Shared Benefits: Authorized users often receive many of the same travel benefits as the primary cardholder, such as lounge access.
Consolidated Spending: All spending on authorized user cards contributes to the primary account's rewards earning.
Building Credit History: For authorized users, this can be a way to build their own credit history (though the primary cardholder is ultimately responsible for all charges).
Sub-heading: How to Add an Authorized User
Online Account: Log into your American Express online account and look for options to add an authorized user.
Provide Information: You'll need their name, date of birth, and Social Security Number.
Automatic Fee Waiver: For eligible military dependents, the authorized user fee should also be waived under MLA/SCRA.
Important Note: While authorized users receive many benefits, it's often more advantageous for eligible military spouses to open their own American Express Platinum Card account. This allows them to earn their own welcome bonus and receive their own set of annual credits, effectively doubling the value for the military family. Just ensure they are also listed as a "Covered Borrower" in the MLA database before applying.
Wrapping Up Your Platinum Journey
The American Express Platinum Card, with its waived annual fee for military members and their dependents, is an unbeatable value. By following these steps and understanding the nuances of SCRA and MLA, you can unlock a world of premium benefits that significantly enhance your travel and lifestyle, all while serving our country. Enjoy the luxury!
10 Related FAQ Questions
How to check my MLA eligibility?
You can check your MLA eligibility by visiting the Department of Defense Manpower Data Center (DMDC) MLA website and entering your Social Security Number.
How to apply for SCRA benefits on an existing Amex card?
Log into your American Express online account, navigate to "Account Services," then "Card Management," and look for "Servicemembers Civil Relief Act (SCRA) Benefits." You can upload your active duty orders there or contact Amex by phone, fax, or mail.
How to get the Amex Platinum annual fee waived?
For active-duty military and eligible dependents, the annual fee is waived under the Military Lending Act (MLA) if you open the account while on active duty, or under the Servicemembers Civil Relief Act (SCRA) if you request relief for an account opened before active duty.
How to get airport lounge access with the Amex Platinum military card?
Tip: Pause whenever something stands out.
Your Amex Platinum Card grants you access to the Global Lounge Collection, including Centurion Lounges, Priority Pass lounges, Delta Sky Clubs (when flying Delta), and more. Simply present your Platinum Card, a valid ID, and a same-day boarding pass.
How to get the $200 airline fee credit on Amex Platinum?
You need to enroll for this benefit in your American Express online account and select a qualifying airline. Then, use your card for eligible incidental fees (like baggage fees or in-flight purchases) with that airline, and statement credits will apply.
How to get the Global Entry or TSA PreCheck credit with Amex Platinum?
Simply pay for your Global Entry ($100) or TSA PreCheck ($85) application fee with your American Express Platinum Card, and a statement credit will automatically be applied to your account. This is available once every four years for Global Entry or every 4.5 years for TSA PreCheck.
How to add an authorized user to my Amex Platinum military card?
Log into your American Express online account, go to "Account Services," and select the option to "Add an Authorized User." You'll need to provide their personal information, and if they are an eligible military dependent, their authorized user fee should also be waived.
How to use the Amex Platinum Uber Cash benefit?
Enroll for the Uber Cash benefit through your American Express online account. You'll then receive $15 in Uber Cash each month (plus a bonus $20 in December) that is automatically added to your Uber account when you link your Amex Platinum Card. Use it for Uber rides or Uber Eats in the U.S.
How to check my credit score for Amex Platinum eligibility?
You can check your FICO score for free through services like American Express MyCredit Guide, which provides your FICO Score 8 based on Experian data and does not impact your credit score. Many other credit card companies and financial institutions also offer free credit score access.
How to maximize Membership Rewards points with Amex Platinum?
Beyond the welcome bonus, maximize points by using your card for eligible travel purchases (5x points on flights booked directly with airlines or amextravel.com, and on prepaid hotels booked on amextravel.com), and by taking advantage of Amex Offers and targeted spending bonuses.
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