Platinum Credit Cards

There was a time when the most prestigious shoppers used a "gold card" with pride. However, a platinum card is considered even more elite and is only available to those with an impeccable credit score, customer history and income.

Although a platinum cardholder must meet some stringent demands, the benefits are well worth the scrutiny. The platinum version of any card will offer the best rewards available. For instance, cash back rebate percentages will be higher when using a platinum card.

While some platinum cards do have a larger annual fee than regular cards, the benefits and low interest rates make the cards well worth the price.

Credit Panda's Recommended Credit Card

Credit Panda recommends The Platinum Business Credit Card as our favorite Platinum credit card.

  • There's No Limit to the Number of Points You Can Earn
  • Option to Enroll in the Membership Rewards® Program Fee-Free
  • 0% APR for the First 12 Months
  • Save 3-25% on Business Purchases at Companies like FedEx®, Delta®, Hertz®, and More
  • No Annual Fee and Fee-Free Additional Cards
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Months

9.49% Variable

$0

Very Good

Advanta Life of Balance Platinum Card

  • Choice of 6% Cash Back or Travel Rewards
  • 2.99% Fixed APR for Life on Balances Transferred within 3 Months
  • $0 Fraud Liability
  • No Annual Fee and No Limit on Earnings
  • Personalized Card - Your Company Name on the Top of the Card
  • Apply now at the Advanta website.

Intro APR

Regular APR

Annual Fee

Credit Needed

2.99% APR for Life of Balance Transfers

9.99% Variable

$0

Very Good

IberiaBank Visa® Platinum Rewards Card

  • 0% Introductory APR on Balance Transfers for Your First 6 Billing Cycles
  • No Annual Fee
  • Data
  • Earn 1 Bonus Point for Every $1 in Net Retail Purchases and Redeem Your Points for Hotel Rooms, Gourmet Dinners, Travel, and More
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Months

8.24% Variable

$0

Very Good

Bank of America WorldPoints® Platinum Plus™ MasterCard® Credit Card

  • Redeem Your Points for Travel with No Blackout Dates, Cash, Brand-Name Merchandise, or Dining Certificates
  • Earn 1 Point for Every Net Retail Purchase Dollar
  • Free 24/7 Concierge Service
  • No Annual Fee
  • Absolute Fraud Protection
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Bass Pro Shops® Outdoor Rewards Platinum Plus® Visa® Card

  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Help Conservation Efforts - With Each Card Purchase, Bass Pro Shops and the National Fish and Wildlife Foundation Will Make a Contribution to Help Conservation Efforts, with a Guaranteed Yearly Contribution as High as $1.5 Million, at No Additiona
  • lCard Issued by FIA Card Services, N.A.
  • No Annual Fee
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Bank of America WorldPoints® Platinum Plus® Visa® Card

  • No Annual Fee
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • 100% Fraud Protection
  • Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for Cash, Brand Name Merchandise, Travel with No Blackout Dates, Dining Certificates and More
  • Online Account Access and Points Management
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

BoatU.S.™ WorldPoints® Platinum Plus® Visa® Card

  • Access to the MyConcierge(SM) Service, a Unique Personal Assistance Service
  • Earn 1 Point for Every Net Retail Purchase Dollar Spent and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash
  • No Annual Fee
  • Absolute Fraud Protection Against Unauthorized Use, Online and Offline
  • Card Issued by FIA Card Services, N.A.
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

NASCAR RacePoints(SM) Platinum Plus® Visa® Credit Card

  • Redeem Points for Exclusive NASCAR® Experiences and Collectibles
  • Earn RacePoints(SM) Every Time You Make a Purchase
  • Free Online Account Access
  • No Annual Fee
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

NFL Extra Points™ Platinum Plus® Visa® Card

  • No Annual Fee
  • Reward Yourself with a $50 NFLshop.com Gift Card after Your First Qualifying Transaction(s) Using Your NFL Extra Points™ Visa® Credit Card
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Earn 1 Point for Every Dollar You Spend in Net Retail Purchases. Points are Redeemable for NFL Merchandise, Tickets, and VIP Passes to NFL Experiences
  • 100% Fraud Protection
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Total Rewards® Platinum Plus® Credit Card

  • These Reward Credits Will Be Added to Your Total Rewards Account Balance, which Can Also Be Earned by Your Gaming Play at Any Harrah's Operating Company Casino
  • Earn 1 Reward Credit for Every $1 You Charge in Net Retail Purchases Anywhere - at the Grocery Store, Mall, Gas Station, Online, Even when You Pay Recurring Monthly Bills
  • Card Issued by FIA Card Services, N.A.
  • 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.90% / 15.99% Fixed

$0

Very Good

Advanta Platinum BusinessCard with Rewards

  • 7.99 Variable APR on Purchases
  • 0% APR on Balance Transfers for 15 Months, 7.99% Fixed APR Thereafter
  • No Annual Fee and No Limit on Earnings
  • Choice of 5% Cash Back or Travel Rewards$
  • 0 Fraud Liability
  • Apply now at the Advanta website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 15 Months

7.99% Variable

$0

Very Good

Hilton HHonors® Platinum Card from American Express®

  • Earn 15,000 Bonus Points After You Spend $5,000 in 5 Months -- That's in Addition to the 15,000 Points You Would Earn for Your Card Spending
  • Earn 10,000 HHonors Bonus Points After Your Very First Purchase on the Card - Enough for a Free Night
  • Receive 5 HHonors® Bonus Points for Each Dollar Spent at Hilton Family and for Eligible Purchases at Supermarkets, Drugstores, Gas Stations, Dining Establishments, and More
  • Earn 10,000 HHonors Bonus Points Over the Course of Your First Four Stays at Any Participating Hilton Family Hotels (2,500 HHonors bonus Points Each Stay)
  • Get 3 HHonors Bonus Points for Each Eligible Dollar You Spend Everywhere Else
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 15 Months

7.99% Variable

$0

Very Good

Capital One® Platinum Prestige

  • Variable APR on Purchases and Balance Transfers, Currently 7.40%
  • Rest Easy With an Outstanding, Low Variable Rate - for Customers With Excellent Credit
  • No Annual Fee and No Balance Transfer Fees
  • Your APR will Not Increase Simply Because You Pay Late Only Once or Go Over Your Credit Limit
  • See Capital One® Important Disclosures for More Information
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

No Introductory Rate Available

7.40% Variable

$0

Very Good

Ducks Unlimited WorldPoints® Platinum Plus® Visa® Card

  • No Annual Fee
  • Earn WorldPoints With Every Retail Purchase You Make With The Card.
  • Zero Liability For Unauthorized Card Use.
  • Introductory 0% Annual Percentage Rate (APR)� for Cash Advance Checks and Balance Transfers Through Your First Twelve Billing Cycles.
  • Card Issued by FIA Card Services, N.A.
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.99% / 15.99% Fixed

$0

Very Good

Capital One® Platinum - Visa®

  • Pay Down Balances Faster With a Low APR
  • Smart Choice if You Carry a Balance Long-TermExclusive Savings: Up to 40% Off Featured Deals and 10% Savings on Everything Else at Capital One® Saving ZoneSM on Yahoo! Shopping
  • 0% on Purchases Until June 2008. After That, a Variable APR, Currently 8.4%
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% on Purchases until June 2008

8.4% Variable

$0

Very Good

American Express® Platinum Business FreedomPass Card

  • Earn 1 Point for Every Dollar You Spend
  • 5,000 Point Welcome Bonus with First Purchase
  • No Blackout Dates and No Travel Restrictions
  • Redeem for Savings on Any Flight, Hotel, Car Rental or Cruise
  • 0% Introductory APR on Purchases for the First 12 Months
  • Apply now at the American Express website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% on Purchases until June 2008

8.4% Variable

$0

Very Good

Capital One® Platinum Prestige - Visa®

  • Variable APR on Purchases and Balance Transfers, Currently 7.4%
  • Rest Easy with an Outstanding, Low Variable Rate for Customers with Excellent Credit
  • No Annual Fee and No Balance Transfer Fees
  • Your APR Will Not Increase Simply Because You Pay Late Only Once or Go Over Your Credit Limit
  • Apply now at the the card issuer's website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% on Purchases until June 2008

7.40% Variable

$0

Very Good

Rainbow Platinum Plus® Visa® Card

  • Earn 1 Point for Every Net Retail Dollar and Redeem Your Points for Travel, Merchandise, Gift Certificates, and Cash
  • For Every New Account That is Opened and Every Purchase Made With the Card, Bank of America Will Make a Contribution to the Rainbow Endowment - at no Additional Cost to You! The Rainbow Endowment is a Grant Making Organization that Funds the GLBT Com
  • Online Account Access, Get Up-To-The-Minute Account Information, Schedule Payments Online, Review Statements and Much More
  • No Annual Fee
  • Card Issued by FIA Card Services, N.A.
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 12 Billing Cycles

9.99% / 15.99% Fixed

$0

Very Good

Hawaiian Airlines® Visa® Platinum Credit Card

  • One HawaiianMile for Every Dollar Spent
  • 10,000 Bonus Miles Upon First Purchase and First Minimum Payment
  • 50% Discounted Companion Ticket upon Approval
  • Two HawaiianMiles for Every Dollar Spent for Tickets Purchased Directly from Hawaiian Airlines®
  • 2,000 Miles Each Anniversary as a Cardholder
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

1.9% APR for 6 Billing Cycles

Varies

$50

Very Good

Financial Rewards® Visa® Platinum Plus®

  • No Annual Fee
  • 0% Fixed Intro APR on Purchases and Balance Transfers
  • Receive 5 Bonus Points with Your Very First Purchase - 1 Point Equals $1 in Rebates
  • Get Cash Back on Purchases - as Much as $600 Per Year
  • Card Issued by FIA Card Services, N.A.
  • Apply now at the Bank of America website.

Intro APR

Regular APR

Annual Fee

Credit Needed

0% APR for 6 Billing Cycles

Varies

$50

Very Good