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0% Balance Transfers

 		0% on Balance Transfers Credit Cards

0% Purchases

 		0% on Purchases Credit Cards

Reward Cards

 		Reward Credit Cards

Air Miles Cards

 		Airmiles Credit Cards

Cash Back Cards

 		Cashback Credit Cards

Adverse Credit

Credit Cards for People With Adverse Credit

Platinum Credit Cards

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

14.9%

0% for 14 months2.9% transfer fee0% for 3 months6 months free gadget insurance
MBNA Platinum

15.9%

0% for 14 months2.9% transfer fee0% for 3 monthsn/a
Amex Platinum

18.9%

n/an/an/aUp to 5% cash back for 3 months
Natwest Platinum

15.9%

0% for 13 months2.9% transfer fee0% for 6 monthsTake advantage of the Natwest Travel Club and Wine Club.
RBS Platinum

15.9%

0% for 13 months2.9% transfer fee0% for 6 monthsOnline retail discounts
MBNA Platinum Reward

15.9%

0% until 1st Oct 20092.9% transfer fee0% until 1st Dec 2008MBNA reward points
Lloyds TSB Platinum

15.9%

0% for 14 months3% transfer fee0% for 3 monthsn/a
Post Office Platinum

15.9%

0% for 10 months2.75% 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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