Platinum Credit Cards!

Platinum and Gold credit cards usually require a higher credit rating and/or a higher level of income than normal credit cards. In return the cards offer benefits such as higher credit limits and other benefits and bonuses not found on the brands lower grade credit cards. Interest rates and fee’ may or may not differ from the standard credit cards being offered but these other benefits and concessions are your rewards for being a lower risk consumer.

CREDIT CARD	DETAILS
AMERICAN EXPRESS PLATINUM CREDIT CARD	REPRESENTATIVE EXAMPLE 18.5% APR representative variable based on £25 annual fee assumed borrowing of £1,200 rate of interest 14% per annum (variable) 2% CASHBACK £20,000 MINIMUM INCOME REWARD POINTS
	Balance Transfers n/a
	Purchases 14% p.a.
BARCLAYCARD PLATINUM	REPRESENTATIVE EXAMPLE 17.5% APR representative variable 17.5% p.a. variable on purchase £1,200 credit limit
	Purchases 0% APR 1st 3 months
	Balance Transfers 0% p.a. for first 20 months 2.6% handling fee
BARCLAYCARD PLATINUM +PURCHASES	Long Term Rate 18.9% APR representative variable 18.9% p.a. variable on purchase £1,200 credit limit
	Purchases 0% APR 1st 14 months
	Balance Transfers 0% p.a. for first 14 months 2.9% handling fee
CO-OP PLATINUM	9.9% APR representative fixed for 5 years (then 12.9% APR) 9.9% p.a. variable on purchase for 5 years (then 12.9% APR) £1,200 credit limit
MBNA PLATINUM	REPRESENTATIVE EXAMPLE n/a
	Purchases n/a
	Balance Transfers n/a
MBNA PLATINUM + REWARD POINTS	REPRESENTATIVE EXAMPLE n/a
	Purchases n/a
	Balance Transfers n/a