Apply for a Platinum Credit Card

Many credit card issuers offer several levels of the same credit card. Customers are defined as eligible for platinum level cards based on their credit history, income, and other factors.

Platinum credit cards generally offer more benefits and better deals on reward programs than gold, silver, bronze, or regular credit cards. The amount of points or rebates that can be earned from a platinum credit card program are usually higher than average and the redemption options are more flexible. This level of card may also offer exclusive access to events or services and the ability to personalize the appearance of the credit card.

Other standard platinum benefits include auto rental insurance, generous travel accident insurance, online services, and discounts on a variety of products and services. There may be an annual fee, depending on the level and value of benefits offered. There is often a 0% introductory rate on purchases and balance transfers for a set period of time.