{"id":118984,"date":"2018-07-26T09:37:40","date_gmt":"2018-07-26T08:37:40","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=118984"},"modified":"2024-03-13T11:16:19","modified_gmt":"2024-03-13T11:16:19","slug":"gold-vs-platinum-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/gold-vs-platinum-credit-cards","title":{"rendered":"Gold vs platinum credit cards: Which is best?"},"content":{"rendered":"<p>While exclusive means elusive for most of us, there\u2019s now a slightly more accessible range of premium credit cards available: <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/platinum-credit-cards\">gold and platinum credit cards<\/a>. Gold cards are a tier above standard cards, and platinum cards are a tier above gold.<\/p><p>These products are designed to offer greater perks such as a higher credit limit, rewards and complimentary insurance. However, gold and platinum cards also typically charge high fees for these perks.<\/p><h3 class=\"no-margin-bottom\">Comparison of a gold and a platinum card<\/h3><div class=\"fin-text-grey text-x-small has-margin-bottom\">Table: sorted by representative APR, promoted deals first<\/div>Here\u2019s a comparison of two cards from American Express \u2013 one a gold and the other a platinum.<div class=\"content tableWithFilters\n        \n        \n         -table-container\" id=\"comparison-table\" data-section=\"table\" data-niche=\"UKCCF\">\n    <div class=\"tableWithFilters__tableTop\">\n            <\/div>\n            <div class=\"contentWrapper tableWithFilters__contentWrapper \">\n        <div class=\"tableWithFilters__table content\">\n        <script type=\"text\/javascript\">\n(function () {\n  const fsniche = \"ukccf\";\n  const getEventToListenTo = () => {\n    if (window.matchMedia('(any-hover:none)').matches) {\n      if (window.matchMedia('(max-width: 450px)').matches) {\n        return \"scroll\";\n      }\n    }\n    return \"DOMContentLoaded\";\n  };\n  const eventToWatch = getEventToListenTo();\n  const waitForLoadOnTheFly = (callback, maxAttempts = 50) => {\n    let attempts = 0;\n    const checkAndExecute = () => {\n      attempts++;\n      if (window.loadOnTheFly && window.loadOnTheFly.html) {\n        callback();\n      } else if (attempts < maxAttempts) {\n        setTimeout(checkAndExecute, 100);\n      } else {\n        console.error('loadOnTheFly.html not available after maximum attempts');\n      }\n    };\n    checkAndExecute();\n  };\n  \/\/ Two tables of the same niche output this script twice; load that niche's modal once.\n  window.finderScoreModalsRequested = window.finderScoreModalsRequested || {};\n  const loadFinderScoreModal = () => {\n    window.removeEventListener(eventToWatch, loadFinderScoreModal);\n    if (window.finderScoreModalsRequested[fsniche]) return;\n    window.finderScoreModalsRequested[fsniche] = true;\n    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loadFinderScoreModal);\n  window.showFinderScoreModal = window.showFinderScoreModal || function (niche) {\n    var attempts = 0;\n    var existCondition = setInterval(function () {\n      const modalLoaded = document.getElementById('finderScoreModal-' + niche);\n      if (modalLoaded) {\n        clearInterval(existCondition);\n        modalLoaded.classList.remove('elementHidden');\n      } else if (++attempts > 40) {\n        clearInterval(existCondition);\n      }\n    }, 500);\n  };\n})();\n<\/script>\n<div class=\"js-comparison-calculator comparison-calculator comparison-calculator--paginationNav f1   \" data-category=\"b2fba7dd-e112-4a39-9cae-df328a5d93d7\" data-template=\"comparison\" data-niche=\"UKCCF\" data-site=\"UKCCF\" data-auto-recalculate=\"true\" data-post-country=\"uk\" data-fieldset=\"newrewards\" data-compare-fieldset=\"compareInfobox\" data-post-id=\"118984\" data-mobile-template=\"\" data-origin=\"straightforward-niche\" data-side-filters=\"false\" data-sort=\"\" data-enable-top-filters=\"false\" data-mobile-data-layout=\"grid\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"newrewards\",\"template\":\"comparison\",\"category_id\":\"b2fba7dd-e112-4a39-9cae-df328a5d93d7\",\"category_name\":\"goldvplatinum\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1793955701}' data-disable-alternative-products=\"false\" data-post-redirect-alternative-products-enabled=\"false\" data-force-enable-alternative-products=\"false\" data-niche-default-category=\"3f6e7a4a-8226-4e6c-8df9-51bc77100dc3\" data-niche-default-path=\"\" data-experiment-flags=\"\"><script type=\"application\/json\" class=\"js-inline-alternative-products\">{\"request\":{\"template\":\"comparison\",\"site\":\"UKCCF\",\"origin\":\"straightforward-niche\",\"category\":\"b2fba7dd-e112-4a39-9cae-df328a5d93d7\",\"fieldset\":\"newrewards\",\"post_id\":\"118984\",\"show_user_ratings\":\"false\",\"ratings_type\":\"\",\"ratings_label\":\"\",\"ratings_minimum_threshold\":\"\",\"enable_desktop_mobile_columns\":\"false\",\"coa_enabled\":\"false\",\"coa_enabled_always\":\"false\",\"offset\":\"0\",\"page_size\":\"3\",\"featuredProductId\":\"\",\"mobile_data_layout\":\"grid\",\"full_table\":\"false\",\"disable_alternative_products\":\"false\",\"force_enable_alternative_products\":\"false\",\"sponsored_field_code\":\"DERIVED.AD_RANK\",\"sponsored_max_per_provider\":\"1\",\"override_table_position_configuration\":\"false\",\"includeFullMarket\":\"false\",\"include_inactive\":\"false\",\"remove_coa\":\"true\",\"body_only\":\"true\",\"niche\":\"UKCCF\",\"sponsored_placements\":\"0\"},\"response\":{\"tableId\":\"5fff1df0365f3358d69683484e3d8cb2a84de725e7c387210fecc25e1d56ce22\",\"tableRequest\":{\"filter\":null,\"filterObject\":{},\"sponsored\":null,\"sortConfigurations\":[]},\"tableRecordType\":\"product\",\"tableRecordIds\":[\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\",\"e407d33e-6477-4978-aec6-c8fad4d0cb15\"],\"html\":\"\\u003Ctr data-product-id=\\\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\\\" data-provider-id=\\\"62bf9107-3f41-4661-942b-dbb8e0780a38\\\" data-product-name=\\\"American Express&reg; Preferred Rewards Gold Credit&nbsp;Card\\\" data-provider-name=\\\"American Express\\\" class=\\\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \\\"\\u003E\\n        \\u003Ctd class=\\\"comparison-table__name combined-column-header   f1-clarity-header\\\"\\u003E\\n                                                          \\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\\\" data-component-id=\\\"1003\\\" data-component-version=\\\"1\\\"\\u003E\\u003Cimg border=\\\"0\\\" src=\\\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\\\" data-src=\\\"https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png\\\" alt=\\\"American Express&reg; Preferred Rewards Gold Credit&nbsp;Card image\\\" class=\\\"lazysizes\\\" srcset=\\\"https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=1200 1200w\\\" sizes=\\\"(max-width: 1200px) 100vw, 1200px\\\" loading=\\\"lazy\\\"\\u003E\\u003C\/a\\u003E\\u003Cdiv class=\\\"finder-score-container\\\"\\u003E\\u003Cdiv class=\\\"detail-info \\\" style=\\\"cursor: pointer;\\\"\\u003E\\u003Ca class=\\\"scoreCombined score__container finder-score\\\" onclick=\\\"showFinderScoreModal('ukccf')\\\"\\u003E \\u003Cspan class=\\\"score__badge score__badge--excellent\\\"\\u003E\\u003Cspan class=\\\"score__value\\\"\\u003E9.4\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003Cspan class=\\\"score__text-wrapper score__text score__text--excellent\\\"\\u003EExcellent\\u003C\/span\\u003E\\u003C\/a\\u003E\\u003C\/div\\u003E\\u003C\/div\\u003E            \\u003Cdiv class=\\\"product-info_name combined-column-header\\\"\\u003E                \\u003Cspan class=\\\"nameLink\\\"\\u003E\\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\\\" target=\\\"_blank\\\" data-component-id=\\\"1014\\\" data-component-version=\\\"1\\\"\\u003EAmerican Express&reg; Preferred Rewards Gold Credit&nbsp;Card\\u003C\/a\\u003E\\u003C\/span\\u003E\\u003Cdiv class=\\\"gx-badge\\\"\\u003E\\u003Cspan class=\\\"gx-badge__body awards-badge__body hasPopover\\\" rel=\\\"popover\\\" data-content=\\\"American Express was highly commended in the &lt;a href='https:\/\/www.finder.com\/uk\/credit-cards\/finder-credit-cards-customer-satisfaction-awards-2024'&gt;Finder Credit Cards Customer Satisfaction Awards 2024&lt;\/a&gt;.\\\" data-html=\\\"true\\\"\\u003E\\u003Cspan class=\\\"badge-text\\\"\\u003EFinder Award\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003C\/div\\u003E            \\u003C\/div\\u003E\\n\\n                          \\n                                                        \\u003C\/td\\u003E\\n\\n                                \\n                                                            \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                                                                                                                                                                                                            first-row\\n                                                                                                                        default-sort-descending\\\" data-mobile=\\\"hide\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"1\\\" data-decorator=\\\"text,ukccf.product.datapoint_finder_score_v2_m\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Finder Score\\\"\\u003E\\n                        \\u003Cdiv class=\\\"detail-info \\\" style=\\\"cursor: pointer;\\\"\\u003E\\u003Ca class=\\\"scoreCombined score__container finder-score\\\" onclick=\\\"showFinderScoreModal('ukccf')\\\"\\u003E \\u003Cspan class=\\\"score__badge score__badge--excellent\\\"\\u003E\\u003Cspan class=\\\"score__value\\\"\\u003E9.4\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003Cspan class=\\\"score__text-wrapper score__text score__text--excellent\\\"\\u003EExcellent\\u003C\/span\\u003E\\u003C\/a\\u003E\\u003C\/div\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                                                rounded-top-left\\n                                                                                                                                                                                                                                                                    default-sort-descending\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"2\\\" data-decorator=\\\"text,ukccf.product.purchases\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Purchases\\\"\\u003E\\n                        29.1%\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                            border-left\\n                                                                                                                                                                                                                                                                                        \\\" data-sortvalue=\\\"&pound;195 per year\\\" data-column-index=\\\"3\\\" data-decorator=\\\"text\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Annual\/monthly fees\\\"\\u003E\\n                        &pound;195 per year\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                            border-left\\n                                                                                rounded-top-right\\n                                                                                                                                                                                                                                                \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"4\\\" data-decorator=\\\"text,ukccf.product.credit_limits\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Initial credit limits\\\"\\u003E\\n                        Min. limit &pound;700, max. limit not specified.\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        span-last-row\\n                                                                                                                        rounded-bottom-left\\n                                                            rounded-bottom-right\\n                                                                                                                                                                            span-2\\n                                                                                                                                                                            \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"5\\\" data-decorator=\\\"text,ukccf.product.representative_apr\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Representative APR\\\"\\u003E\\n                        85.8% APR (variable)\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"6\\\" data-decorator=\\\"text,ukccf.product.ukccf_new_incentive\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Incentive\\\"\\u003E\\n                        \\u003Cstyle\\u003Etd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }\\u003C\/style\\u003E\\u003Cdiv class=\\\"comparison-table__product-offer\\\"\\u003E\\u003Csvg class=\\\"luna-icon\\\" role=\\\"img\\\" aria-label=\\\"Special offer\\\"\\u003E\\u003Cuse href=\\\"#gift\\\"\\u003E\\u003C\/use\\u003E\\u003C\/svg\\u003E Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences.\\u003C\/div\\u003E\\u003Cdiv class=\\\"has-padding-top-xsmall\\\"\\u003ERepresentative example: Representative 85.8% APR variable. Based on &pound;195 annual fee, assumed borrowing of &pound;1,200. Rate of interest 29.1% p.a. (variable).\\u003C\/div\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                              \\n        \\n\\n        \\n                  \\n                \\n                \\n                                      \\n          \\n          \\n          \\u003Ctd class=\\\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \\\"\\u003E\\n            \\u003Cdiv class=\\\"comparison-table__cellWrapper\\\"\\u003E\\n                                              \\u003Cbutton type=\\\"button\\\" class=\\\"js-comparison-table__save-button comparison-table__save-button\\\" aria-label=\\\"Save\\\" aria-pressed=\\\"false\\\" title=\\\"Save\\\"\\u003E\\u003C\/button\\u003E\\n                            \\u003Cstyle\\u003E.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}\\u003C\/style\\u003E        \\u003Ca href=\\\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-preferredrewardsgoldcreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;silent=1&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22template%22%3A%22comparison%22%2C%22site%22%3A%22UKCCF%22%2C%22fieldset%22%3A%22newrewards%22%2C%22category_id%22%3A%22b2fba7dd-e112-4a39-9cae-df328a5d93d7%22%2C%22category_name%22%3A%22goldvplatinum%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221793955702%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22American%2BExpress%25C2%25AE%2BPreferred%2BRewards%2BGold%2BCredit%25C2%25A0Card%22%2C%22product_id%22%3A%22e1445fa0-34b3-47fe-b50c-4b69a3a2ac36%22%2C%22offer_id%22%3A%2224700%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22118984%22%2C%22post_path%22%3A%22credit-cards%252Fgold-vs-platinum-credit-cards%22%2C%22post_country%22%3A%22uk%22%7D\\\" class=\\\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta button-eligibility--cta\\\" title=\\\"Check eligibility\\\"\\u003E        Check eligibility      \\u003C\/a\\u003E    \\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\\\" class=\\\"comparison-table__more-button\\\" title=\\\"Read more about this card\\\"\\u003E    \\u003Csvg class=\\\"luna-icon\\\"\\u003E\\u003Cuse href=\\\"#info\\\"\\u003E\\u003C\/use\\u003E\\u003C\/svg\\u003E    \\u003Cspan\\u003EMore info\\u003C\/span\\u003E  \\u003C\/a\\u003E\\n                                                                                \\u003Cdiv class=\\\"luna-form__selection comparison-table__compareField\\\"\\u003E\\n    \\u003Cfieldset\\u003E\\n        \\u003Clegend class=\\\"compare-box__legend\\\"\\u003ECompare product selection\\u003C\/legend\\u003E\\n        \\u003Cinput class=\\\"luna-checkbox\\\" type=\\\"checkbox\\\" id=\\\"compare-product-0000000004-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\\\" value=\\\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\\\" name=\\\"productID\\\" _productname=\\\" 9.4Excellent                            American Express&reg; Preferred Rewards Gold Credit&nbsp;CardFinder Award            \\\" _productimg=\\\"\/product\/\\\" data-custom-event-active=\\\"true\\\" data-component-id=\\\"1004\\\" data-component-version=\\\"1\\\" data-component-props='{\\\"finderScore\\\":9.4,\\\"badges\\\":[\\\"finder_awards\\\"],\\\"productId\\\":\\\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\\\"}'\\u003E\\n        \\u003Clabel class=\\\"luna-label\\\" for=\\\"compare-product-0000000004-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\\\"\\u003ECompare\\u003C\/label\\u003E\\n    \\u003C\/fieldset\\u003E\\n\\u003C\/div\\u003E\\n\\n                                          \\u003C\/div\\u003E\\n          \\u003C\/td\\u003E\\n        \\n        \\n                  \\u003Ctd class=\\\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\\\" aria-hidden=\\\"true\\\"\\u003E\\n  \\u003Cdiv class=\\\"sidepeek-modal-slider__overlay\\\"\\u003E\\u003C\/div\\u003E\\n  \\u003Cdiv class=\\\"sidepeek-modal-slider__content\\\"\\u003E\\n    \\n    \\u003Cdiv class=\\\"sidepeek-modal-slider__close-wrapper\\\"\\u003E\\n      \\u003Cbutton type=\\\"button\\\" class=\\\"sidepeek-modal-slider__close js-expander-trigger\\\" aria-label=\\\"Close modal\\\"\\u003E\\n          \\u003Csvg class=\\\"luna-icon sidepeek-modal-slider__close-icon\\\"\\u003E\\n            \\u003Cuse href=\\\"#x\\\"\\u003E\\u003C\/use\\u003E\\n          \\u003C\/svg\\u003E\\n      \\u003C\/button\\u003E\\n    \\u003C\/div\\u003E\\n\\n    \\u003Cdiv class=\\\"comparison-table__cellWrapper\\\"\\u003E\\n      \\n      \\u003Cdiv class=\\\"comparison-table__expander--fetching center-over\\\"\\u003E\\n        \\u003Cdiv class=\\\"relativeloading-pulse__box loading-pulse__box-notext\\\"\\u003E\\n          \\u003Cspan class=\\\"loading-pulse loading-pulse--medium loading-pulse--primary\\\"\\u003Eloading\\u003C\/span\\u003E\\n        \\u003C\/div\\u003E\\n      \\u003C\/div\\u003E\\n\\n    \\u003C\/div\\u003E\\n  \\u003C\/div\\u003E\\n\\u003C\/td\\u003E \\n        \\n        \\n              \\u003C\/tr\\u003E\\n\\n                                                                                                                                                    \\n                        \\n                  \\n      \\n      \\u003Ctr data-product-id=\\\"e407d33e-6477-4978-aec6-c8fad4d0cb15\\\" data-provider-id=\\\"62bf9107-3f41-4661-942b-dbb8e0780a38\\\" data-product-name=\\\"The Platinum Card&reg;\\\" data-provider-name=\\\"American Express\\\" class=\\\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \\\"\\u003E\\n        \\u003Ctd class=\\\"comparison-table__name combined-column-header   f1-clarity-header\\\"\\u003E\\n                                                          \\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-the-platinum-card\\\" data-component-id=\\\"1003\\\" data-component-version=\\\"1\\\"\\u003E\\u003Cimg border=\\\"0\\\" src=\\\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\\\" data-src=\\\"https:\/\/www.finder.com\/niche-builder\/682487840cb51.png\\\" alt=\\\"The Platinum Card&reg; image\\\" class=\\\"lazysizes\\\" srcset=\\\"https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=1200 1200w\\\" sizes=\\\"(max-width: 1200px) 100vw, 1200px\\\" loading=\\\"lazy\\\"\\u003E\\u003C\/a\\u003E\\u003Cdiv class=\\\"finder-score-container\\\"\\u003E\\u003Cdiv class=\\\"detail-info \\\" style=\\\"cursor: pointer;\\\"\\u003E\\u003Ca class=\\\"scoreCombined score__container finder-score\\\" onclick=\\\"showFinderScoreModal('ukccf')\\\"\\u003E \\u003Cspan class=\\\"score__badge score__badge--excellent\\\"\\u003E\\u003Cspan class=\\\"score__value\\\"\\u003E9.9\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003Cspan class=\\\"score__text-wrapper score__text score__text--excellent\\\"\\u003EExcellent\\u003C\/span\\u003E\\u003C\/a\\u003E\\u003C\/div\\u003E\\u003C\/div\\u003E            \\u003Cdiv class=\\\"product-info_name combined-column-header\\\"\\u003E                \\u003Cspan class=\\\"nameLink\\\"\\u003E\\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-the-platinum-card\\\" target=\\\"_blank\\\" data-component-id=\\\"1014\\\" data-component-version=\\\"1\\\"\\u003EThe Platinum Card&reg;\\u003C\/a\\u003E\\u003C\/span\\u003E\\u003Cdiv class=\\\"gx-badge\\\"\\u003E\\u003Cspan class=\\\"gx-badge__body awards-badge__body hasPopover\\\" rel=\\\"popover\\\" data-content=\\\"American Express was highly commended in the &lt;a href='https:\/\/www.finder.com\/uk\/credit-cards\/finder-credit-cards-customer-satisfaction-awards-2024'&gt;Finder Credit Cards Customer Satisfaction Awards 2024&lt;\/a&gt;.\\\" data-html=\\\"true\\\"\\u003E\\u003Cspan class=\\\"badge-text\\\"\\u003EFinder Award\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003C\/div\\u003E            \\u003C\/div\\u003E\\n\\n                          \\n                                                        \\u003C\/td\\u003E\\n\\n                                \\n                                                            \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                                                                                                                                                                                                            first-row\\n                                                                                                                        default-sort-descending\\\" data-mobile=\\\"hide\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"1\\\" data-decorator=\\\"text,ukccf.product.datapoint_finder_score_v2_m\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Finder Score\\\"\\u003E\\n                        \\u003Cdiv class=\\\"detail-info \\\" style=\\\"cursor: pointer;\\\"\\u003E\\u003Ca class=\\\"scoreCombined score__container finder-score\\\" onclick=\\\"showFinderScoreModal('ukccf')\\\"\\u003E \\u003Cspan class=\\\"score__badge score__badge--excellent\\\"\\u003E\\u003Cspan class=\\\"score__value\\\"\\u003E9.9\\u003C\/span\\u003E\\u003C\/span\\u003E\\u003Cspan class=\\\"score__text-wrapper score__text score__text--excellent\\\"\\u003EExcellent\\u003C\/span\\u003E\\u003C\/a\\u003E\\u003C\/div\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                                                rounded-top-left\\n                                                                                                                                                                                                                                                                    default-sort-descending\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"2\\\" data-decorator=\\\"text,ukccf.product.purchases\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Purchases\\\"\\u003E\\n                        29.1%\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                            border-left\\n                                                                                                                                                                                                                                                                                        \\\" data-sortvalue=\\\"&pound;650 per year\\\" data-column-index=\\\"3\\\" data-decorator=\\\"text\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Annual\/monthly fees\\\"\\u003E\\n                        &pound;650 per year\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        border-top\\n                                                            border-left\\n                                                                                rounded-top-right\\n                                                                                                                                                                                                                                                \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"4\\\" data-decorator=\\\"text,ukccf.product.credit_limits\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Initial credit limits\\\"\\u003E\\n                        Min. limit &pound;700, max. limit not specified.\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                        span-last-row\\n                                                                                                                        rounded-bottom-left\\n                                                            rounded-bottom-right\\n                                                                                                                                                                            span-2\\n                                                                                                                                                                            \\\" data-sortvalue=\\\"\\\" data-column-index=\\\"5\\\" data-decorator=\\\"text,ukccf.product.representative_apr\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Representative APR\\\"\\u003E\\n                        685.3% APR (variable)\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                                              \\n                        \\n                                    \\n                                                            \\n                                                            \\n                                            \\u003Ctd class=\\\"comparison-table__feature\\n                                        \\n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\\\" data-sortvalue=\\\"\\\" data-column-index=\\\"6\\\" data-decorator=\\\"text,ukccf.product.ukccf_new_incentive\\\"\\u003E\\n                  \\u003Cdiv class=\\\"comparison-table__cellWrapper js-calculator-table-value\\n                                                            \\\" data-heading=\\\"Incentive\\\"\\u003E\\n                        \\u003Cstyle\\u003Etd.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }\\u003C\/style\\u003E\\u003Cdiv class=\\\"comparison-table__product-offer\\\"\\u003E\\u003Csvg class=\\\"luna-icon\\\" role=\\\"img\\\" aria-label=\\\"Special offer\\\"\\u003E\\u003Cuse href=\\\"#gift\\\"\\u003E\\u003C\/use\\u003E\\u003C\/svg\\u003E Earn 80,000 Membership Rewards points + a &pound;150 Selfridges eGift Card when you spend &pound;6,000 in your first three months of Cardmembership. Offer ends 12 January 2027. Terms apply, 18+, subject to status.\\u003C\/div\\u003E\\u003Cdiv class=\\\"has-padding-top-xsmall\\\"\\u003ERepresentative example: Representative 685.3% APR variable. Based on &pound;650 annual fee, assumed borrowing of &pound;1,200. Rate of interest 29.1% p.a. (variable).\\u003C\/div\\u003E\\n                                          \\u003C\/div\\u003E\\n                \\u003C\/td\\u003E\\n                                                              \\n        \\n\\n        \\n                  \\n                \\n                \\n                                      \\n          \\n          \\n          \\u003Ctd class=\\\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \\\"\\u003E\\n            \\u003Cdiv class=\\\"comparison-table__cellWrapper\\\"\\u003E\\n                                              \\u003Cbutton type=\\\"button\\\" class=\\\"js-comparison-table__save-button comparison-table__save-button\\\" aria-label=\\\"Save\\\" aria-pressed=\\\"false\\\" title=\\\"Save\\\"\\u003E\\u003C\/button\\u003E\\n                            \\u003Cstyle\\u003E.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}\\u003C\/style\\u003E        \\u003Ca href=\\\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-theplatinumcard-uk-secure.html?nb=1&amp;src_country=uk&amp;silent=1&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22template%22%3A%22comparison%22%2C%22site%22%3A%22UKCCF%22%2C%22fieldset%22%3A%22newrewards%22%2C%22category_id%22%3A%22b2fba7dd-e112-4a39-9cae-df328a5d93d7%22%2C%22category_name%22%3A%22goldvplatinum%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221793955702%22%2C%22position%22%3A%222%22%2C%22product_name%22%3A%22The%2BPlatinum%2BCard%25C2%25AE%22%2C%22product_id%22%3A%22e407d33e-6477-4978-aec6-c8fad4d0cb15%22%2C%22offer_id%22%3A%2224714%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22118984%22%2C%22post_path%22%3A%22credit-cards%252Fgold-vs-platinum-credit-cards%22%2C%22post_country%22%3A%22uk%22%7D\\\" class=\\\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta button-eligibility--cta\\\" title=\\\"Check eligibility\\\"\\u003E        Check eligibility      \\u003C\/a\\u003E    \\u003Ca href=\\\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-the-platinum-card\\\" class=\\\"comparison-table__more-button\\\" title=\\\"Read more about this card\\\"\\u003E    \\u003Csvg class=\\\"luna-icon\\\"\\u003E\\u003Cuse href=\\\"#info\\\"\\u003E\\u003C\/use\\u003E\\u003C\/svg\\u003E    \\u003Cspan\\u003EMore info\\u003C\/span\\u003E  \\u003C\/a\\u003E\\n                                                                                \\u003Cdiv class=\\\"luna-form__selection comparison-table__compareField\\\"\\u003E\\n    \\u003Cfieldset\\u003E\\n        \\u003Clegend class=\\\"compare-box__legend\\\"\\u003ECompare product selection\\u003C\/legend\\u003E\\n        \\u003Cinput class=\\\"luna-checkbox\\\" type=\\\"checkbox\\\" id=\\\"compare-product-0000000004-e407d33e-6477-4978-aec6-c8fad4d0cb15\\\" value=\\\"e407d33e-6477-4978-aec6-c8fad4d0cb15\\\" name=\\\"productID\\\" _productname=\\\" 9.9Excellent                            The Platinum Card&reg;Finder Award            \\\" _productimg=\\\"\/product\/\\\" data-custom-event-active=\\\"true\\\" data-component-id=\\\"1004\\\" data-component-version=\\\"1\\\" data-component-props='{\\\"finderScore\\\":9.9,\\\"badges\\\":[\\\"finder_awards\\\"],\\\"productId\\\":\\\"e407d33e-6477-4978-aec6-c8fad4d0cb15\\\"}'\\u003E\\n        \\u003Clabel class=\\\"luna-label\\\" for=\\\"compare-product-0000000004-e407d33e-6477-4978-aec6-c8fad4d0cb15\\\"\\u003ECompare\\u003C\/label\\u003E\\n    \\u003C\/fieldset\\u003E\\n\\u003C\/div\\u003E\\n\\n                                          \\u003C\/div\\u003E\\n          \\u003C\/td\\u003E\\n        \\n        \\n                  \\u003Ctd class=\\\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\\\" aria-hidden=\\\"true\\\"\\u003E\\n  \\u003Cdiv class=\\\"sidepeek-modal-slider__overlay\\\"\\u003E\\u003C\/div\\u003E\\n  \\u003Cdiv class=\\\"sidepeek-modal-slider__content\\\"\\u003E\\n    \\n    \\u003Cdiv class=\\\"sidepeek-modal-slider__close-wrapper\\\"\\u003E\\n      \\u003Cbutton type=\\\"button\\\" class=\\\"sidepeek-modal-slider__close js-expander-trigger\\\" aria-label=\\\"Close modal\\\"\\u003E\\n          \\u003Csvg class=\\\"luna-icon sidepeek-modal-slider__close-icon\\\"\\u003E\\n            \\u003Cuse href=\\\"#x\\\"\\u003E\\u003C\/use\\u003E\\n          \\u003C\/svg\\u003E\\n      \\u003C\/button\\u003E\\n    \\u003C\/div\\u003E\\n\\n    \\u003Cdiv class=\\\"comparison-table__cellWrapper\\\"\\u003E\\n      \\n      \\u003Cdiv class=\\\"comparison-table__expander--fetching center-over\\\"\\u003E\\n        \\u003Cdiv class=\\\"relativeloading-pulse__box loading-pulse__box-notext\\\"\\u003E\\n          \\u003Cspan class=\\\"loading-pulse loading-pulse--medium loading-pulse--primary\\\"\\u003Eloading\\u003C\/span\\u003E\\n        \\u003C\/div\\u003E\\n      \\u003C\/div\\u003E\\n\\n    \\u003C\/div\\u003E\\n  \\u003C\/div\\u003E\\n\\u003C\/td\\u003E \\n        \\n        \\n              \\u003C\/tr\\u003E\",\"rewardsParams\":[],\"loyaltyRewardsParams\":{\"campaignName\":null,\"flow\":null,\"showBanner\":false,\"isLoggedIn\":null},\"noResultsIntroText\":\"\",\"topPicksHtml\":\"\",\"totalProductCount\":2,\"pageSize\":3,\"productCount\":2,\"nextOffset\":null,\"prevOffset\":0},\"infobox\":[{\"request\":{\"site\":\"UKCCF\",\"origin\":\"straightforward-niche\",\"recordType\":\"product\",\"id\":\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36,e407d33e-6477-4978-aec6-c8fad4d0cb15\",\"fieldset\":\"alternative_products\"},\"response\":[]},{\"request\":{\"site\":\"UKCCF\",\"origin\":\"straightforward-niche\",\"recordType\":\"product\",\"id\":\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36,e407d33e-6477-4978-aec6-c8fad4d0cb15\",\"fieldset\":\"compareInfobox\"},\"response\":[{\"title\":\"Network\",\"values\":[\"Amex\",\"Amex\"]},{\"title\":\"Issuer\",\"values\":[\"American Express\",\"American Express\"]},{\"title\":\"Availability\",\"values\":[\"Available to new customers\",\"Available to new customers\"]},{\"title\":\"Annual\/monthly fees\",\"values\":[\"&pound;195 per year\",\"&pound;650 per year\"]},{\"title\":\"Representative APR\",\"values\":[\"85.8% APR (variable)\",\"685.3% APR (variable)\"]},{\"title\":\"Purchases\",\"values\":[\"29.1%\",\"29.1%\"]},{\"title\":\"Balance transfers\",\"values\":[\"\",\"\"]},{\"title\":\"Balance transfer fee\",\"values\":[\"\",\"\"]},{\"title\":\"Cash advances\",\"values\":[\"36.3%\",\"36.3%\"]},{\"title\":\"Cash advance fee\",\"values\":[\"3% (min. &pound;3)\",\"3% (min. &pound;3)\"]},{\"title\":\"Foreign usage charge (EU)\",\"values\":[\"2.99%\",\"2.99%\"]},{\"title\":\"Foreign usage charge\",\"values\":[\"2.99%\",\"2.99%\"]},{\"title\":\"Incentive\",\"values\":[\"\",\"\"]},{\"title\":\"Representative example\",\"values\":[\"Representative example: Representative 85.8% APR variable. Based on &pound;195 annual fee, assumed borrowing of &pound;1,200. Rate of interest 29.1% p.a. (variable).\",\"Representative example: Representative 685.3% APR variable. Based on &pound;650 annual fee, assumed borrowing of &pound;1,200. Rate of interest 29.1% p.a. (variable).\"]}]}]}<\/script><section class=\"comparison-calculator--container\"><div class=\"comparison-actions\"><div class=\"mobileSort__root\"><\/div><div class=\"u-grid u-grid--gutterCollapse templateTable__dateAndCounterContainer\"><div class=\"u-grid__col u-1\/2\"><small class=\"templateTable__counterContainer\"><span id=\"js-current_product_count-b2fba7dd-e112-4a39-9cae-df328a5d93d7\">2 of 2 results<\/span><\/small><\/div><div class=\"u-grid__col u-1\/2 templateTable__lastUpdatedWithCounterContainer\"><span><a aria-label=\"Data updated\" class=\"disclaimer_popup u-color--foreground-main horizontal-promo-box__popup finder-modal-trigger\" data-modal-id=\"data_updated_popup\"><svg class=\"luna-icon luna-icon--small luna-icon--primary\"><use xlink:href=\"#info-circle\"><\/use><\/svg><span class=\"u-pl--1\">Updated daily<\/span><\/a><\/span><\/div><\/div><\/div><form action=\"\" name=\"compareForm\" method=\"post\" class=\"js-compare-bar\" data-mobile-compare=\"true\" data-compareinfobox=\"\" data-compare-fieldset=\"compareInfobox\" data-niche=\"UKCCF\" data-site=\"UKCCF\" data-table-id=\"842\" data-origin=\"straightforward-niche\" data-record-type=\"product\" data-redirect-tracking-params='{\"placement_type\":\"table\",\"site\":\"UKCCF\",\"fieldset\":\"newrewards\",\"template\":\"comparison\",\"category_id\":\"b2fba7dd-e112-4a39-9cae-df328a5d93d7\",\"category_name\":\"goldvplatinum\",\"is_sorted\":0,\"is_filtered\":0,\"cta_render_ts\":1793955701}'><div class=\"comparisonHistory__root\"><\/div><table class=\"comparison-table f1-clarity-header has-sidepeek js-paginated-table-sorter paginated-table-sorter    has-combined-column-header  combined-column-header-grid js-calculator-table rewards--container loyalty-rewards--container\" id=\"comparison-table-0000000000\" data-has-sidepeek=\"true\" data-rendered-as=\"table\" data-loadmore=\"true\" data-loadmore-version=\"1\" data-loadmore-id=\"1009\" data-niche=\"ukccf\" data-sorted=\"false\" data-sorting=\"\" data-pagination-nav=\"20\" data-pagination-nav-offset=\"0\" data-pagination-nav-next-offset=\"\" data-pagination-nav-prev-offset=\"0\" data-product-count=\"2\" data-manual-sponsored-count=\"\" data-include-inactive=\"false\" data-table-filter-presets=\"dbaade1631108e0c06771c0421ccacfd7308e599c6ae20e90bb0036f68c24702\" data-table-record-type=\"product\" data-table-record-ids='[\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\",\"e407d33e-6477-4978-aec6-c8fad4d0cb15\"]' data-total-data=\"2\" data-enable-top-filters=\"false\" data-gte-enabled-variants=\"table_share_pill_1\" data-total-product-count=\"2\" data-sponsored-placements=\"3\" data-sponsored-field-code=\"DERIVED.AD_RANK\" data-sponsored-max-per-provider=\"1\" data-override-table-position-configuration=\"false\"><thead class=\"u-bg--background-secondary u-color--foreground-main\"><tr class=\"grid-column-count-5\"><th data-mobile=\"hide\" data-ajax-table-sorter-column=\"UKCCF.PRODUCT.DATAPOINT_FINDER_SCORE_V2_M\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable th-combined-column-header\" data-field-targetable=\"\" data-sorter-title=\"finder_score\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Finder Score\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.PURCHASES\" class=\"comparison-table__feature default-sort-descending tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"purchases\" data-ajax-table-sorter-default-direction=\"DESCENDING\">\n                                                        Purchases\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"PRODUCT.RATES_AND_FEES.ACCOUNT_FEES\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"annual\/monthly_fees\">\n                                                        Annual\/monthly fees\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.CREDIT_LIMITS\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"initial_credit_limits\">\n                                                        Initial credit limits\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.REPRESENTATIVE_APR\" class=\"comparison-table__feature  tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"representative_apr\">\n                                                        Representative APR\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><th data-ajax-table-sorter-column=\"UKCCF.PRODUCT.UKCCF_NEW_INCENTIVE\" class=\"comparison-table__feature comparison-table__feature--longtext no-margin-bottom tablesorter-header tablesorter-headerUnSorted comparison-table__sortable \" data-field-targetable=\"\" data-sorter-title=\"incentive\">\n                                                        Incentive\n                                                      <span class=\"comparison-table__sortIcon\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--asc\" aria-hidden=\"true\"><\/span><span class=\"comparison-table__sortIcon--desc\" aria-hidden=\"true\"><\/span><\/th><\/tr><\/thead><tbody><tr data-product-id=\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\" data-provider-id=\"62bf9107-3f41-4661-942b-dbb8e0780a38\" data-product-name=\"American Express\u00ae Preferred Rewards Gold Credit\u00a0Card\" data-provider-name=\"American Express\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  heroInTable__featuredProduct heroInTable__featuredProduct--yellow\"><td class=\"comparison-table__name combined-column-header sponsored-row  f1-clarity-header\"><div class=\"table-disclaimer__cellWrapper\"><button class=\"table-disclaimer\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" title=\"Important information about this website\" type=\"button\"><span class=\"table-disclaimer__text\"><span class=\"badge-text\">Promoted<\/span><\/span><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#info\"><\/use><\/svg><\/button><\/div><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png\" alt=\"American Express\u00ae Preferred Rewards Gold Credit\u00a0Card image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/6613c7f8e215f.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.4<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">American Express\u00ae Preferred Rewards Gold Credit\u00a0Card<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body awards-badge__body hasPopover\" rel=\"popover\" data-content=\"American Express was highly commended in the &lt;a href='https:\/\/www.finder.com\/uk\/credit-cards\/finder-credit-cards-customer-satisfaction-awards-2024'&gt;Finder Credit Cards Customer Satisfaction Awards 2024&lt;\/a&gt;.\" data-html=\"true\"><span class=\"badge-text\">Finder Award<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.4<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    default-sort-descending\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.purchases\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchases\">\n                        29.1%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\u00a3195 per year\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual\/monthly fees\">\n                        \u00a3195 per year\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.credit_limits\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Initial credit limits\">\n                        Min. limit \u00a3700, max. limit not specified.\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.representative_apr\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative APR\">\n                        85.8% APR (variable)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\" data-sortvalue=\"\" data-column-index=\"6\" data-decorator=\"text,ukccf.product.ukccf_new_incentive\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg> Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Experiences.<\/div><div class=\"has-padding-top-xsmall\">Representative example: Representative 85.8% APR variable. Based on \u00a3195 annual fee, assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}<\/style><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-preferredrewardsgoldcreditcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKCCF%22%2C%22fieldset%22%3A%22newrewards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22b2fba7dd-e112-4a39-9cae-df328a5d93d7%22%2C%22category_name%22%3A%22goldvplatinum%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221793955701%22%2C%22sponsored%22%3A%221%22%2C%22position%22%3A%221%22%2C%22product_name%22%3A%22American%2BExpress%25C2%25AE%2BPreferred%2BRewards%2BGold%2BCredit%25C2%25A0Card%22%2C%22product_id%22%3A%22e1445fa0-34b3-47fe-b50c-4b69a3a2ac36%22%2C%22offer_id%22%3A%2224700%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22118984%22%2C%22post_path%22%3A%22credit-cards%252Fgold-vs-platinum-credit-cards%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta button-eligibility--cta\" title=\"Check eligibility\">        Check eligibility      <\/a><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-preferred-rewards-gold-credit-card\" class=\"comparison-table__more-button\" title=\"Read more about this card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\" value=\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\" name=\"productID\" _productname=\" 9.4Excellent                            American Express\u00ae Preferred Rewards Gold Credit\u00a0CardFinder Award            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.4,\"badges\":[\"finder_awards\"],\"productId\":\"e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-e1445fa0-34b3-47fe-b50c-4b69a3a2ac36\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><tr data-product-id=\"e407d33e-6477-4978-aec6-c8fad4d0cb15\" data-provider-id=\"62bf9107-3f41-4661-942b-dbb8e0780a38\" data-product-name=\"The Platinum Card\u00ae\" data-provider-name=\"American Express\" class=\"grid-column-count-5  mobile-column-count-4 mobile-row-count-8  js-comparison-table__row  \"><td class=\"comparison-table__name combined-column-header   f1-clarity-header\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-the-platinum-card\" data-component-id=\"1003\" data-component-version=\"1\"><img decoding=\"async\" border=\"0\" src=\"data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSI5IiBoZWlnaHQ9IjUiIHN0eWxlPSJiYWNrZ3JvdW5kLWNvbG9yOiAjRjVGNkY3OyIvPg==\" data-src=\"https:\/\/www.finder.com\/niche-builder\/682487840cb51.png\" alt=\"The Platinum Card\u00ae image\" class=\"lazysizes\" srcset=\"https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/682487840cb51.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a><div class=\"finder-score-container\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><div class=\"product-info_name combined-column-header\"><span class=\"nameLink\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-the-platinum-card\" target=\"_blank\" data-component-id=\"1014\" data-component-version=\"1\">The Platinum Card\u00ae<\/a><\/span><div class=\"gx-badge\"><span class=\"gx-badge__body awards-badge__body hasPopover\" rel=\"popover\" data-content=\"American Express was highly commended in the &lt;a href='https:\/\/www.finder.com\/uk\/credit-cards\/finder-credit-cards-customer-satisfaction-awards-2024'&gt;Finder Credit Cards Customer Satisfaction Awards 2024&lt;\/a&gt;.\" data-html=\"true\"><span class=\"badge-text\">Finder Award<\/span><\/span><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                            first-row\n                                                                                                                        default-sort-descending\" data-mobile=\"hide\" data-sortvalue=\"\" data-column-index=\"1\" data-decorator=\"text,ukccf.product.datapoint_finder_score_v2_m\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Finder Score\"><div class=\"detail-info \" style=\"cursor: pointer;\"><a class=\"scoreCombined score__container finder-score\" onclick=\"showFinderScoreModal('ukccf')\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent\">Excellent<\/span><\/a><\/div><\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                                                rounded-top-left\n                                                                                                                                                                                                                                                                    default-sort-descending\" data-sortvalue=\"\" data-column-index=\"2\" data-decorator=\"text,ukccf.product.purchases\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Purchases\">\n                        29.1%\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                                                                                                                                                                                                                        \" data-sortvalue=\"\u00a3650 per year\" data-column-index=\"3\" data-decorator=\"text\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Annual\/monthly fees\">\n                        \u00a3650 per year\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        border-top\n                                                            border-left\n                                                                                rounded-top-right\n                                                                                                                                                                                                                                                \" data-sortvalue=\"\" data-column-index=\"4\" data-decorator=\"text,ukccf.product.credit_limits\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Initial credit limits\">\n                        Min. limit \u00a3700, max. limit not specified.\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                        span-last-row\n                                                                                                                        rounded-bottom-left\n                                                            rounded-bottom-right\n                                                                                                                                                                            span-2\n                                                                                                                                                                            \" data-sortvalue=\"\" data-column-index=\"5\" data-decorator=\"text,ukccf.product.representative_apr\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Representative APR\">\n                        685.3% APR (variable)\n                                          <\/div><\/td><td class=\"comparison-table__feature\n                                        \n                                                                                                                                                                                                                                                                                                            comparison-table__feature--longtext no-margin-bottom\" data-sortvalue=\"\" data-column-index=\"6\" data-decorator=\"text,ukccf.product.ukccf_new_incentive\"><div class=\"comparison-table__cellWrapper js-calculator-table-value\n                                                            \" data-heading=\"Incentive\"><style>td.comparison-table__feature--longtext div.comparison-table__cellWrapper { width:  100%; }<\/style><div class=\"comparison-table__product-offer\"><svg class=\"luna-icon\" role=\"img\" aria-label=\"Special offer\"><use href=\"#gift\"><\/use><\/svg> Earn 80,000 Membership Rewards points + a \u00a3150 Selfridges eGift Card when you spend \u00a36,000 in your first three months of Cardmembership. Offer ends 12 January 2027. Terms apply, 18+, subject to status.<\/div><div class=\"has-padding-top-xsmall\">Representative example: Representative 685.3% APR variable. Based on \u00a3650 annual fee, assumed borrowing of \u00a31,200. Rate of interest 29.1% p.a. (variable).<\/div><\/div><\/td><td class=\"comparison-table__feature comparison-table__cta coa-data cta-column-count-5 \"><div class=\"comparison-table__cellWrapper\"><button type=\"button\" class=\"js-comparison-table__save-button comparison-table__save-button\" aria-label=\"Save\" aria-pressed=\"false\" title=\"Save\"><\/button><style>.comparison-table td.comparison-table__cta [data-heading]:before { display: none; } .comparison-table__cta { order: 2; } .comparison-table__feature--longtext { order: 3; } .comparison-table td.comparison-table__cta a { white-space: normal; line-height: 1.25; }@media (min-width: 600px) { .button-eligibility--cta { max-width: 124px; padding: 4px 16px; }}<\/style><a href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/americanexpress-theplatinumcard-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22table%22%2C%22site%22%3A%22UKCCF%22%2C%22fieldset%22%3A%22newrewards%22%2C%22template%22%3A%22comparison%22%2C%22category_id%22%3A%22b2fba7dd-e112-4a39-9cae-df328a5d93d7%22%2C%22category_name%22%3A%22goldvplatinum%22%2C%22is_sorted%22%3A%220%22%2C%22is_filtered%22%3A%220%22%2C%22cta_render_ts%22%3A%221793955701%22%2C%22position%22%3A%222%22%2C%22product_name%22%3A%22The%2BPlatinum%2BCard%25C2%25AE%22%2C%22product_id%22%3A%22e407d33e-6477-4978-aec6-c8fad4d0cb15%22%2C%22offer_id%22%3A%2224714%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22118984%22%2C%22post_path%22%3A%22credit-cards%252Fgold-vs-platinum-credit-cards%22%2C%22post_country%22%3A%22uk%22%7D\" class=\"luna-button luna-button--success luna-button--medium has-margin-bottom-xsmall button--cta button-eligibility--cta\" title=\"Check eligibility\">        Check eligibility      <\/a><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-the-platinum-card\" class=\"comparison-table__more-button\" title=\"Read more about this card\"><svg class=\"luna-icon\"><use href=\"#info\"><\/use><\/svg><span>More info<\/span><\/a><div class=\"luna-form__selection comparison-table__compareField\"><fieldset><legend class=\"compare-box__legend\">Compare product selection<\/legend><input class=\"luna-checkbox\" type=\"checkbox\" id=\"compare-product-0000000002-e407d33e-6477-4978-aec6-c8fad4d0cb15\" value=\"e407d33e-6477-4978-aec6-c8fad4d0cb15\" name=\"productID\" _productname=\" 9.9Excellent                            The Platinum Card\u00aeFinder Award            \" _productimg=\"\/product\/\" data-custom-event-active=\"true\" data-component-id=\"1004\" data-component-version=\"1\" data-component-props='{\"finderScore\":9.9,\"badges\":[\"finder_awards\"],\"productId\":\"e407d33e-6477-4978-aec6-c8fad4d0cb15\"}'><label class=\"luna-label\" for=\"compare-product-0000000002-e407d33e-6477-4978-aec6-c8fad4d0cb15\">Compare<\/label><\/fieldset><\/div><\/div><\/td><td class=\"comparison-table__expander js-comparison-table__expander hide sidepeek-modal-slider\" aria-hidden=\"true\"><div class=\"sidepeek-modal-slider__overlay\"><\/div><div class=\"sidepeek-modal-slider__content\"><div class=\"sidepeek-modal-slider__close-wrapper\"><button type=\"button\" class=\"sidepeek-modal-slider__close js-expander-trigger\" aria-label=\"Close modal\"><svg class=\"luna-icon sidepeek-modal-slider__close-icon\"><use href=\"#x\"><\/use><\/svg><\/button><\/div><div class=\"comparison-table__cellWrapper\"><div class=\"comparison-table__expander--fetching center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><\/div><\/div><\/td><\/tr><\/tbody><\/table><div class=\"comparison-table__loadingIndicator center-over\"><div class=\"relativeloading-pulse__box loading-pulse__box-notext\"><span class=\"loading-pulse loading-pulse--medium loading-pulse--primary\">loading<\/span><\/div><\/div><div class=\"comparison-table__paginationContainer comparison-table__loadMoreContainer hide-comparison-table__paginationContainer\"><div class=\"comparison-table__loadMore comparison-table__paginationNav\"><button class=\"luna-button luna-button--primary js-comparison-table__showMore\" type=\"button\" data-offset=\"\">Load More<\/button><div class=\"js-show-more-data_count-b2fba7dd-e112-4a39-9cae-df328a5d93d7 comparison-table__dataCount\">Showing\n\t\t\t2\n\t\t\tof\n\t\t\t2\n\t\t\tresults\t\t<\/div><\/div><\/div><\/form><\/section><\/div><div id=\"compare-bar-v2\" class=\"compareBarV2__root rewards--container loyalty-rewards--container\" data-niche=\"UKCCF\" data-rewards-component=\"compare-products\"><\/div><div class=\"product-modal\"><section class=\"luna-modal is-invisible\" aria-hidden=\"false\" role=\"dialog\" id=\"alternative-products-modal\" aria-labelledby=\"alternative-products-modal-heading\" aria-describedby=\"modal-content\" tabindex=\"-1\"><div class=\"luna-modal__content\"><button class=\"luna-modal__close\" type=\"button\" aria-label=\"Close modal\"><svg class=\"luna-icon\" aria-hidden=\"true\"><use xlink:href=\"#x\"><\/use><\/svg><\/button><div class=\"luna-modal__body\" id=\"modal-content\"><div class=\"luna-modal__wrapper\"><div class=\"modal-heading\" id=\"alternative-products-modal-heading\">Compare other products<\/div><div class=\"cta-modal__body\"><p class=\"cta-modal__intro-text cta-modal__intro-text--active-cta\" style=\"display: none;\">Looking for other options? Check out these similar products.<\/p><div class=\"cta-modal__cards-container\"><\/div><span class=\"cta-modal__popover table-popover\" rel=\"popover\" data-placement=\"top\" data-content=\"This list shows products with some similar features to the one you selected. It is not a recommendation or suggestion to purchase any product. Always check details and get independent advice to make sure any product suits your own needs before applying.\">How we picked these<\/span><\/div><\/div><\/div><\/div><\/section><\/div><div class=\"finder-score-methodology\"><h3 data-toc=\"false\" id=\"finder-score-methodology\">Finder Score for credit cards<\/h3>\n\n<p>To make comparing even easier we came up with the <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">Finder Score<\/a>. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card \u2013 simple.<\/p>\n\n<a class=\"luna-button luna-button--primary has-margin-bottom\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/methodology-for-rating-credit-cards\">Read the full methodology<\/a><\/div>\n    <\/div>\n<\/div>\n    <\/div>\n<h3 id=\"tag1\">What\u2019s the difference between gold and platinum credit cards?<\/h3><p>Gold credit cards are considered one step up from standard options, while platinum credit cards are a step above gold. This means the benefits they offer will vary between gold and platinum status levels as well as between individual cards. Here are some examples of differences you may find between the offerings of gold and platinum cards:<\/p><ul class=\"list-1\"><li><strong>Complimentary extras.<\/strong> Complimentary extras may include travel and purchase insurances, concierge services and other travel perks like airport lounge access. Unlike platinum options, some gold cards may not offer domestic travel insurance, car rental insurance or personal concierge services, for instance.<\/li><li><strong>Insurance limit.<\/strong> Complimentary insurance coverage may vary between gold and platinum versions of the same card, with platinum cardholders enjoying higher cover limits or lower excess costs.<\/li><li><strong>Reward points per \u00a31.<\/strong> Platinum cardholders typically earn more reward points per \u00a31 spent than gold cardholders. As an example, a standard reward card may offer 1 point per \u00a31, while the gold version offers 1.5 points per \u00a31 and the platinum offers 2 points per \u00a31.<\/li><li><strong>Reward point cap.<\/strong> If a reward credit card limits the number of points you can earn per statement or per year, then a platinum card will have one of the highest caps.<\/li><li><strong>Bonus point offer.<\/strong> Introductory bonus point offers may differ between gold and platinum products, with platinum cards typically offering more bonus points when you sign up.<\/li><li><strong>Minimum credit limit.<\/strong> Platinum cards give higher minimum credit limits than gold cards, which can be a bonus if you spend a lot on credit and can responsibly manage your credit card payments.<\/li><li><strong>Annual fee.<\/strong> Platinum cards charge higher annual fees than gold cards offered by the same provider.<\/li><li><strong>Minimum income requirement.<\/strong> Platinum cards also generally require successful card applicants to have higher income levels compared to gold cards.<\/li><li><strong>Credit history.<\/strong> While both cards require cardholders to have a good credit history and credit rating, platinum cards tend to have stricter requirements than gold cards.<\/li><\/ul><h3 id=\"tag2\">How to compare gold and platinum credit cards<\/h3><p>When choosing between a gold and platinum credit card, the decision boils down to your individual circumstances. To help you make your decision, these are some key questions to consider:<\/p><ul><li><strong>How often will I use my credit card?<\/strong> Your yearly average spending on the card can be a strong indicator of which card type will suit you better. If you don\u2019t use your card often, it won\u2019t be worth paying high fees for a platinum card that you won\u2019t use much. On the other hand, if you spend a lot on your credit card, you\u2019d want to watch out for monthly caps on earning rewards points, which could be lower on a gold card.<\/li><li><strong>How much can I afford to pay for a credit card?<\/strong> Working out a budget for your credit card expenses can help determine whether you can better manage the cost of the annual fee for a gold or platinum card.<\/li><li><strong>What additional features do I want?<\/strong> Thinking about what you actually want in a card, and which card features you\u2019ll actually use, can also bring clarity. For instance, if you regularly travel abroad, it may be worth paying a high premium for platinum travel perks like international travel insurance and airport lounge access. However, if you only go overseas once every couple of years, these features are unlikely to offset the cost of the annual fee and a gold or classic card may be more suitable.<\/li><li><strong>Can I meet the application requirements?<\/strong> Keep in mind requirements like minimum income are usually tougher for platinum cards when compared with gold cards, and make sure you check these details during the comparison so you can apply for a card that\u2019s appropriate to your circumstances. Remember that multiple applications for credit within a short space of time can hurt your credit score.<\/li><\/ul><h3 id=\"tag4\">What else should I consider when looking at gold and platinum credit cards?<\/h3><p>Here are some other factors to consider when comparing gold and platinum cards:<\/p><ul><li><strong>Purchase rate.<\/strong> This is the interest rate charged on purchase transactions, which is very relevant if you habitually carry a balance on your credit card. If you always settle your monthly statement in full, this is not a real concern because you don\u2019t incur interest fees on your purchases.<\/li><li><strong>Introductory interest rates.<\/strong> As part of a sign-up promotion, many cards come with a low or 0% introductory interest rate on purchases or balance transfers. If you wish to transfer a sizeable balance or are about to make a large purchase, the promotional rate could well be a deciding factor. After a specified period, these rates revert to the card\u2019s regular rates, which are substantially higher. Always check how long a promotional rate is available and what it will revert to at the end of the honeymoon period.<\/li><li><strong>Interest-free days.<\/strong> Most credit cards offer an interest-free period for purchases, which typically varies between 25 and 62 days per statement period. While interest-free days can help you avoid additional charges, they are only available if you pay your balance in full by the due date on each statement. Otherwise, interest will apply from the day you make a purchase.<\/li><li><strong>Value of reward points.<\/strong> A little research and calculation should reveal how much a credit card\u2019s rewards points are worth. Consider the earn rate of the card as well as what rewards you can get and the annual fee to get an idea of the potential value. This will help you compare rewards programmes across cards.<\/li><li><strong>Application criteria.<\/strong> Keep in mind that submitting too many credit card applications in a short amount of time can harm your credit rating. Researching a credit card\u2019s eligibility requirements helps ensure that you only apply for one when you have a high chance of application success.<\/li><\/ul><p>Ultimately, no credit card is perfect for everyone, but you might find one that will closely match your needs and spending habits. As such, platinum cards aren\u2019t necessarily always better than gold cards. Remember to research and compare cards to find the option that best suits your needs.<br><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/what-is-the-most-prestigious-credit-card\">What is the most prestigious credit card?<\/a><\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Gold and platinum credit cards both offer a variety of exclusive perks and features for different costs. Use this guide to compare your options and find the right card for you. <\/p>\n","protected":false},"author":195,"featured_media":118994,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Gold vs platinum credit cards","_yoast_wpseo_title":"Gold vs platinum credit cards: Which is the best? | finder UK","_yoast_wpseo_metadesc":"The choice between gold and platinum cards comes down to your needs and spending habits. 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