If I decided to open an Amex Plat or Gold account today, can I start using the account immediately? Or do I have to wait for the physical card to arrive?

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When I applied for platinum, I was approved in a minute and they sent me digital card info.

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Awesome. That’s exactly what I want to do haha

You could do it right away they. I did this for both gold and platnum. They'll send u an email same hour and give you the literal physical card numbers digitally. You'll have to jot them down as it expires after exiting until card arrives

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Yes you should be able to use it right away, they should send you digital card info. I have the Amex gold , LMK if you want a referral. It’s 60k points and $200 back as statement credits on certain purchases. Also 5x on rewards for a bit.

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Sometimes they will provide a digital card to attach to apple or Google pay right away

Can I then only use the digital card if a company accepts apple or google pay? Or can I use it online anywhere that accepts Amex (just would have to enter card number)?

I literally just did this. I can confirm you get a digital card and all benefits. I applied in the morning and was sitting in a centurion lounge later that afternoon :)

Also have two of the elevated referral offers for both plat and gold if you're into that 🫡

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