Amex gives out Charge Cards like Candy! My roomate got a green! Last score he knew was a 605, few years back I had a friend get GOLD with a 645 which I pulled from here TU prior to him applying and Amex pulled a double on him EX and TU... usually they pull just EX.
Id say go for it.... If you are REALLY REALLY worried although I don't think any difference apply for the Gold Plus or what not and if instantly approved go back and apply for the Platinum but in the past we have seen people do green because they thought and were worried they woulnd't get platinum and in the end of 15 minutes, had green, gold, and platinum!
Amex wants $450 way more than $95!
If Amex is the one card you have left that you want which would leave your other cards in the dust for the most part then what's another INQ if you don't get it.... but really you have some cards that are harder to get then an Amex Charge (Surprising as that sounds!)
Chase and Wells Fargo
Why don't you go to creditcards.com and try the pre-approval.... My partner got "Exclusive Offers" for Amex and what ever they call other offers from other banks... the Amex ended up being instant.