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Platinum</span> credit cards

Platinum credit cards

Balance Transfers

0% Purchases

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Platinum credit cards

CompanyPackage Name% Typical APRBalance TransferBalance Transfer NotesIntroductory Purchases Rate & PeriodReward Notes 
Barclaycard Platinum

15.9%

0% for 15 months2.90% transfer fee0% for 3 monthsIdentity Protection Service
MBNA Platinum

16.9%

0% for 13 months2.9% transfer fee0% for 3 monthsn/a
Amex Platinum

19.9%

n/an/an/a5% cashback for 3 months (up to £100) then up to 1.25%
MBNA Platinum Reward

16.9%

0% for 13 months2.9% transfer fee0% for 3 monthsMBNA reward points
Lloyds TSB Platinum

15.9%

0% for 12 months3% transfer fee0% for 3 monthsn/a
Post Office Credit Card

16.9%

0% for 12 months2.98% transfer fee0% for 3 months0% for 13 months

What are Platinum Credit Cards?

Platinum credit cards compliment your status, and as such there are strict criteria to be met by potential applicants:

  • You must be 25 or over
  • You must earn £25,000+
  • You must have an excellent credit history

What are the Benefits of a Platinum Credit Card?

Most Platinum credit cards offer a free identity theft service, and rewards such as 0% balance transfers, 0% interest on purchases and cash back. Bonus incentives include such diversities as access to exclusive wine and travel clubs.

What else should I know about Platinum Credit Cards?


  • Beware of cards that offer 0% on purchases deals in conjunction with 0% balance transfer deals. The point of transferring the balance is consolidation, not to facilitate more spending.
  • Interest on cash withdrawals is high, sometimes up to 25%.
  • Prestige credit cards are exclusive, and if you don’t meet the specified criteria then the likelihood of having your application for a platinum card accepted is minimal.

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