TPG reader question: Is there a maximum age you can be approved for a credit card?

Aug 22, 2021

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Editor’s note: This article is part of a weekly column to answer your credit card, points and miles and general travel questions. If you would like to ask us a question, tweet us at @thepointsguyuk, message us on Facebook or email us at tips@thepointsguy.co.uk.


Credit cards are one of the fastest and easiest ways to earn valuable points and miles, especially if you aren’t travelling quite as regularly as normal.

Since we’re talking about a financial product, credit issuers have certain eligibility criteria you must meet to be approved for a card. If they are extending money to you, they want to be comfortable they will eventually get it back.

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Eligibility differs slightly from card to card, and issuer to issuer.

In the U.K., eligibility is usually quite straightforward. You’ll need to reside in the United Kingdom, though you won’t usually need to be a U.K. citizen — I’m not. I’m a resident and have been approved for plenty of U.K. credit cards.

There’s usually a minimum age requirement of 18, but what about a maximum age? That brings us to this week’s TPG reader question.

I have been reading your article about The Platinum Card and note that the travel insurance (a big part of the card benefits) does not apply if you are over 70?
Can you not get the card if you are over 70?

Martin, TPG Reader

There’s a lot of interest in The Platinum Card from American Express this week as the welcome bonus has been doubled to a massive 60,000 Membership Rewards points for a limited time only.

When you add this welcome bonus to the already long list of travel benefits, it makes this card very compelling.

There are a few eligibility requirements for the card which you can read, but when it comes to age, there’s only a minimum requirement of 18 years. There is no maximum age to be approved for this card, provided you satisfy the other eligibility requirements.

Martin is correct about the age limit for the travel insurance that comes with the card, though. It states: All “cardmembers including supplementary cardmembers and their families must be under the age of 70 throughout the trip to receive medical assistance and expenses benefits.”

Related: Understanding your credit card’s complimentary travel insurance

So, if there’s no maximum age to be approved for the card, why is there a maximum age to use the travel insurance?

Any medical-related insurance usually becomes more expensive the older the policyholder is, as there is an assumption that health costs will increase with age. Since Amex offer this insurance complimentary to cardholders, it’s my understanding they have drawn the line at 70 years because they do not believe it economically viable to offer free travel insurance to cardholders age over this age and their assumed increased health costs.

If Martin is older than 70, he can certainly apply for this or other cards, though unfortunately, he would be unable to use the travel insurance on this card.

Featured image by Liam Spencer / The Points Guy

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.