{"id":63539,"date":"2017-12-19T16:13:16","date_gmt":"2017-12-19T16:13:16","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=63539"},"modified":"2024-11-21T16:26:18","modified_gmt":"2024-11-21T16:26:18","slug":"platinum-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/platinum-credit-cards","title":{"rendered":"Compare platinum credit cards"},"content":{"rendered":"<h3>Why should you choose a platinum credit card?<\/h3><p>The prestige and features of a platinum credit card can give you extra value if you spend regularly, travel frequently or use your credit card for additional perks. Platinum credit card features and benefits are a cut above those offered by standard or gold credit cards and often include features such as \u2013<\/p><ul><li>Complimentary international travel insurance<\/li><li>Extended warranty cover<\/li><li>Purchase protection insurance<\/li><li>Best price guarantees<\/li><li>Complimentary airport lounge access<\/li><li>Higher points per \u00a31 for reward programmes<\/li><li>Higher points caps for reward programmes<\/li><li>Higher credit limits<\/li><\/ul><p>While some standard credit cards also offer extras such as complimentary insurance, it\u2019s important to note that platinum credit card complimentary insurance usually offers greater coverage with lower excesses and is more likely to cover companions or family members.<\/p><p>There are also several platinum credit cards that offer no foreign transaction fee. If you use your card for purchases overseas or regularly shop with foreign online merchants, a platinum card with 0% currency conversion fees could help cut costs.<\/p><h3>How to compare Platinum Credit Cards <img decoding=\"async\" class=\"size-full wp-image-241755 alignright\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/businessmanCC-copy.jpg\" alt=\"businessmanCC copy\" width=\"250\" height=\"249\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/businessmanCC-copy.jpg?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/businessmanCC-copy.jpg?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/businessmanCC-copy.jpg?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/businessmanCC-copy.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/h3><p>Almost every credit card issuer offers a platinum product, which makes comparing credit cards to ensure they suit your lifestyle even more important. A good place to start is by looking at the features that are similar across all credit cards (such as purchase interest rates), and the features that are different (including promotional interest rates or specific complimentary extras). Some of the factors you might want to consider in your comparison include:<\/p><h4>Interest rates and fees<\/h4><ul><li><strong>Annual fee.<\/strong> Platinum credit cards usually come with an annual fee, generally around \u00a325 but sometimes much more. Some cards do offer waived or lower annual fees for a promotional period.<\/li><li><strong>Purchase interest rates.<\/strong> While most platinum credit cards have higher interest rates of around 20%, some cards do offer a low or no interest for a promotional period.<\/li><li><strong>Interest-free days.<\/strong> If you pay your balance in full, you could take advantage of up to 55 interest-free days on purchases.<\/li><li><strong>Balance transfers.<\/strong> If you\u2019re consolidating a debt, look for a platinum card that has a 0% offer on balance transfers for a promotional period. You shouldn\u2019t use your card for spending while you\u2019re repaying a debt, so this is something you\u2019ll want to consider when comparing your options.<\/li><li><strong>Foreign transaction fees.<\/strong> If you\u2019re using your credit card overseas, you could be charged between 1% and 3% of the overall transaction amount if you\u2019re spending in a foreign currency. If you use your card for a cashpoint withdrawal, you should also watch out for overseas cashpoint withdrawal and cash advance fees.<\/li><li><strong>Cash advances.<\/strong> If you use your card for an ATM withdrawal, or other cash-equivalent transaction, you\u2019ll usually be charged a higher interest rate of 20% to 22%. <\/li><li><strong>Credit limit.<\/strong> The credit limit you\u2019re approved for will be based on your income and credit history. Make sure that the credit limit you apply for can support your financial needs without tempting you to overspend.<\/li><li><strong>Additional cardholders.<\/strong> If you\u2019re using your card to manage your business or family spending, the option to request additional cardholders could come in handy. See how many cardholders you\u2019re allowed and whether there is a fee involved to determine whether the card suits you.<\/li><\/ul><h4>Extra features<\/h4><ul><li><strong>Rewards points.<\/strong> Some credit cards come with reward or frequent flyer programmes, allowing you to earn reward points for every pound you spend on eligible purchases. Some platinum cards offer up to four reward points per \u00a31 spent, which you can then redeem for cashback, gift cards or products from the online store. If you opt for a frequent flyer credit card, your points will automatically go to a frequent flyer account, which you can then redeem for flight rewards. Some platinum credit cards also offer bonus points, which could be a good way to boost your balance. Some cards may come with capped points or expiration terms and conditions, so make sure you\u2019re aware of these to get the most out of your points.<\/li><li><strong>Complimentary insurance.<\/strong> Many platinum credit cards offer some kind of additional insurance cover \u2013 usually travel insurance \u2013 which extends to partners and family members travelling with you, but you might need to make a purchase on the card (such as \u00a3500 of your prepaid travel costs) to activate the insurance. Some platinum cards also include additional insurances such as purchase protection and extended warranty.<\/li><li><strong>Concierge services.<\/strong> Some platinum cards offer a 24\/7 concierge service that can help you with anything from travel bookings and restaurant reservations to sending a gift or securing concert tickets.<\/li><li><strong>Airline lounge passes.<\/strong> Some platinum credit cards offer the added luxury of <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/travel-credit-cards\/free-airline-lounge-access\">airport lounge access<\/a> when you travel. Depending on the lounge, these usually offer complimentary food and beverages, free Wi-Fi and shower facilities, letting you wait for your flight in style.<\/li><li><strong>Entertainment experiences.<\/strong> Depending on the card network you\u2019re with, you could take advantage of presale concert tickets, exclusive competitions, discount ticket prices and more with rewards programmes run by <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/mastercard-priceless-cities\">Mastercard<\/a>, Visa or <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/american-express\/american-express-invites\">American Express<\/a>.<\/li><\/ul><p>With all of these factors in mind, make sure that you consider whether the features suit your lifestyle, if the credit limit suits your finances and how much you spend (and repay) each month to determine whether you\u2019ll get full value from the card.<\/p><p><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><h3>How to apply for a platinum credit card <img decoding=\"async\" class=\"size-full wp-image-241753 alignright\" src=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/girlprepsdocuemnts1.jpg\" alt=\"girlprepsdocuemnts\" width=\"250\" height=\"250\" srcset=\"https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/girlprepsdocuemnts1.jpg?fit=180 180w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/girlprepsdocuemnts1.jpg?fit=360 360w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/girlprepsdocuemnts1.jpg?fit=600 600w, https:\/\/cdn.finder.com.au\/credit-cards\/wp-uploads\/girlprepsdocuemnts1.jpg?fit=750 750w\" sizes=\"(max-width: 750px) 100vw, 750px\" loading=\"lazy\"><\/h3><p>You can apply for a platinum credit card online by clicking the \u2018Go to site\u2019 button, but you\u2019ll need to make sure you meet the following eligibility requirements and necessary documents.<\/p><h4>Eligibility requirements<\/h4><ul class=\"list-1\"><li><strong>Age.<\/strong> Applicants must be at least 18 years of age.<\/li><li><strong>Credit history.<\/strong> Platinum credit cards are designed for people with good or excellent credit history.<\/li><li><strong>Annual income.<\/strong> Standard credit cards don\u2019t always require a minimum income, but many banks will need you to at least have a regular source of income if you\u2019re applying for a platinum card. Income requirements can vary, but can be up to \u00a318,000, sometimes more.<\/li><li><strong>Employment.<\/strong> Full-time employment is preferred. If you are self-employed, retired or on a pension and can provide proof of regular income, then you may also be eligible to apply.<\/li><\/ul><h4>Necessary documents<\/h4><ul class=\"list-1\"><li><strong>Proof of identity.<\/strong> You\u2019ll need to provide a copy of your passport and\/or your driver\u2019s licence to prove your identity.<\/li><li><strong>Employment information.<\/strong> You may need to provide proof of your employment with two recent payslips, your most recent tax statement or a letter from your employer. You\u2019ll also be asked to provide the details of your employer or, if you\u2019re self-employed, your accountant.<\/li><\/ul><h3>Who are platinum credit cards best suited to?<\/h3><p>When choosing a credit card, you should ideally take into account your income, your spending habits and your ability to make repayments. You should consider getting a platinum credit card only if you plan on paying your account\u2019s closing balance in full each month. This is because platinum card interest rates are usually quite high.<\/p><p>If you wish to earn rewards for your spending, a platinum card might also work well for you. Most platinum cards <span>will offer reward points per pound spent, which you can then<\/span> redeem in various ways. You could also consider a platinum card if you want a higher-than-usual credit limit.<\/p><p>Frequent travellers can benefit from a platinum credit card because of the complimentary travel insurance on offer. Some platinum credit cards also offer no foreign transaction fees on overseas purchases, as well as other travel perks, such as free airport lounge access and hotel room upgrades.<\/p><h4>Applying for a platinum credit card online<\/h4><p>Once you\u2019ve confirmed that you\u2019re eligible and have collected the necessary information, you can apply for a platinum credit card in the following steps:<\/p><ol><li>Find a platinum credit card that best suits your needs and click on the \u2018Go to site\u2019 button. This will send you to the bank\u2019s secure application page.<\/li><li>Read over the eligibility criteria and application terms then select \u2018Apply\u2019.<\/li><li>Fill out the application with all of the requested information.<\/li><li>Provide your supporting documentation when it is requested. If you don\u2019t have the necessary document or information on hand, you can pause your application to spend some time looking for it or contact the bank to see if there is any substitute information you could include. It\u2019s safer to do this than submit your application and risk being rejected.<\/li><li>Submit your application. You should be notified of the initial outcome within a few minutes via the web page or your email.<\/li><li>If you receive conditional approval, follow the steps outlined by the bank to complete the application process.<\/li><\/ol><p>If you\u2019re approved, you can expect to receive your credit card within 5 to 10 business days.<\/p><p>From higher credit limits and more reward points to complimentary insurance, concierge services and travel perks, platinum credit cards have both premium features and status that lift them up above other options. So if you want your credit card to do more for you than just the basics, check out the wide range of platinum credit cards and use your knowledge of them to find an option that is right for you.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/gold-vs-platinum-credit-cards\">Gold vs platinum credit cards: Which is best?<\/a><\/p><h3>Frequently asked questions about platinum credit cards<\/h3><p>Here are some of the most frequently asked questions about platinum credit cards from our users. If you still have a question please leave a comment in the box below.<\/p><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Are there any low-interest rate platinum credit cards?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Low interest rate platinum credit cards are extremely popular due to their combination of low-interest rates and platinum benefits.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I cancel a platinum credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you\u2019ve paid the card off in full, you can cancel platinum credit cards at any time, free of charge. <\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">What level of credit card is above platinum?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Generally speaking, black cards are considered more exclusive than platinum, but now that prestige credit cards are more widely available to the general population, less onus is put on card colour. That said, if you want premium perks but aren\u2019t ready to apply for a platinum credit card, you can compare gold credit cards.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">When is a platinum card not valuable?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Platinum cards offer a wealth of extra perks and features that could make your credit card experience more rewarding. However, as these cards can come with annual fees and higher interest rates than most cards, you\u2019ll want to make sure you\u2019re paying your balance in full and taking advantage of all of the card\u2019s features to ensure you\u2019re getting your money\u2019s worth. If you\u2019re earning reward points, you can also calculate the pound value of the rewards you\u2019re redeeming to determine whether or not it outweighs any costs associated with the card.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Compare platinum credit cards and see how to get premium perks such as higher earn rates for rewards.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"platinum credit card","_yoast_wpseo_title":"Compare platinum credit cards - Finder UK","_yoast_wpseo_metadesc":"Compare the top platinum credit cards in the UK, offering premium perks such as free travel insurance, rewards programs, and high spending limits.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"2023-11-08T10:58:44","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2023-11-08 10:58:44\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated and added more information on what Platinum credit cards are and who is eligible. \"}","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[2112],"tags":[],"asset_tag":[],"class_list":["post-63539","post","type-post","status-publish","format-standard","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - 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