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Visa Platinum benefits, rewards and privileges

A mid-tier card with perks like insurance, cell phone protection and roadside assistance.

Kliment Dukovski
Kliment Dukovski

Updated

Fact checked

To find the right Visa Platinum card, compare the costs and benefits that fit your lifestyle like acceptance world, zero liability protection and lost or stolen card reporting. And the cool thing is — most Visa Platinum cards have no annual fee.

What benefits, rewards and privileges can I get with a Visa Platinum credit card?

Perks may vary from provider to provider, but some of the benefits could include:

  • Cell phone protection.
    If you pay for your phone with your Visa Platinum card, you can get up to $600 with a $25 deductible if your phone is lost or stolen. It allows for two claims a year.
  • Emergency cash disbursement and card replacement.
    Call Visa Global at 800-847-2911 or Visa direct line at 303-967-1096 for a replacement card or if you need emergency cash.
  • Travel and emergency assistance services.
    In the US call 800-992-6029, or 804-673-1675 for travel abroad. Visa helps you connect with medical referrals, emergency message services, legal referrals, emergency transport assistance, emergency translation, lost luggage locator service and more.
  • Auto rental collision damage waiver.
    If you pay for your rental with your Visa Premium card you are protected against theft or collision up to the value of most rented cars.
  • Roadside dispatch.
    If you need towing, a tire changed, jump start, lockout service or fuel delivery call 800-847-2869 and Visa will send assistance your way.
  • Common carrier travel accident insurance.
    This covers death and dismemberment when traveling on a plane, bus, boat or other common carriers.

Additional platinum credit card perks

Other perks that could be included with some providers include:

  • Rewards program.
    You could earn and spend rewards points in a frequent flyer or other rewards program when using your Visa Platinum.
  • Intro APR period.
    You may get a long 0% intro APR period on purchases and/or balance transfers from the moment you open your account.

Other factors to consider when choosing a Visa Platinum credit card

Consider these other card details when trying to weigh the best one for your lifestyle:

  • Interest rates.
    Your interest rates are generally based on your credit score and the ability to repay your balance. But avoid paying an APR at all by paying your balance each month.
  • Annual fee.
    Most Visa Platinum cards come with no annual fee, but watch out for those few that do.
  • Credit limit.
    If you qualify for a Platinum card, your balance will typically be lower than $5,000. Anything higher will likely be a Visa Signature card.
  • Eligibility criteria.
    In most cases, you can get a Visa Platinum credit card with a fair or good credit score. This is relatively low compared to a Visa Signature credit card where an excellent credit score is often required.

Compare Visa Platinum credit cards

Name Product Annual fee Balance transfer APR Purchase APR Filter values
TD Cash Credit Card
TD Cash Credit Card
$0
0% intro for the first 15 months (then 12.99%, 17.99% or 22.99% variable)
0% intro for the first 6 months (then 12.99%, 17.99% or 22.99% variable)
3% on dining and 2% on groceries make this a valuable card for food purchases. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
Apply now
View details
U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card
$0
0% intro for the first 20 months (then 13.99% to 23.99% variable)
0% intro for the first 20 months (then 13.99% to 23.99% variable)
0% intro APR on purchases and balance transfers for the first 20 months from account opening.
View details
Wells Fargo Platinum Card
Wells Fargo Platinum Card
$0
0% intro for the first 18 months (then 15.49% to 24.99% variable)
0% intro for the first 18 months (then 15.49% to 24.99% variable)
Enjoy a 18 months intro APR period on purchases and balance transfers.
View details
USAA® Rate Advantage Visa Platinum® Card
USAA® Rate Advantage Visa Platinum® Card
$0
6.9% to 23.9% variable
6.9% to 23.9% variable
Enjoy USAA's lowest rate card. Pay no annual fee, no penalty APR and no foreign transaction fee.
View details
Alliant Visa® Platinum Rewards Card
Alliant Visa® Platinum Rewards Card
$0
0% intro for the first 12 months (then 13.24% to 23.24% variable)
0% intro for the first 12 months (then 13.24% to 23.24% variable)
Earn 5,000 points after spending $500 in the first 90 days from account opening.
View details
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Compare up to 4 providers

Bottom line

Visa Platinum cards are the mid-tier Visa cards that often come with benefits such as roadside dispatch, accident travel insurance, auto rental collision damage waiver and more without paying an annual fee.

Check out other Visa credit cards and compare your options until you find the perfect card for your financial situation.

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