Platinum Credit Card Offers

Banks normally call their "top of the line" credit card products "Platinum Cards". Being a platinum cardholder is a privilege that you have earned by having a very good to excellent credit rating. If your credit rating is less than perfect, don't even think about applying for a platinum credit card from a major bank. However, no federal authority regulates the using of the “Paltinum” name for a credit card. Because of this, some card issuers who are specialized for the sub-prime market are calling their top of the line offers Platinum, also. So, now you have a chance to get approved for a sub-prime "Platinum" card even if you don't have a perfect credit rating. In either case, Platinum means the best card in its category (sub-prime or not). For your convenience, we collected a number of Platinum card offers for you, on this page. You can check out the card benefits of these credit cards right here on this site, and when you have made your decision you can apply online: card applications are just one click away.

Citi® Home Rebate Platinum Select® MasterCard®

Time flies. Wouldn't it be nice if your mortgage did too?

Summary:

APR for Balance Transfers: Prime + 4.99% (Currently 9.99%)
Ongoing APR: Prime + 4.99% (Currently 9.99%)
Balance Transfer Fee: Balance transfer fee applies with this offer*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None

    Features:

• Receive 6% rebate on Utilities, Cable/Satellite TV, Internet Connection and Telecommunication for 12 months
• Receive 1% on all other purchases
• Rebate automatically applied to your mortgage principal
• NO CAP or limits on the amount of rebates you can accumulate in a year
• No annual fee
  
  *See Terms and Conditions.

More info           Apply

Chase PerfectCard™ MasterCard®

SAVINGS YOU CAN TAKE ON THE ROAD - SAVE 6%!

Summary:

APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None*

    Features:

• 6% rebates on ALL gas purchases at ANY gas station for the first 90 days*
• 3% rebates on ALL gas purchases at ANY gas station after the first 90 days*
• 1% rebates on ALL other purchases made anywhere else*
• 0% Intro APR* for up to 6 months*
• No Annual Fee
  
  *See Pricing & Terms.

More info           Apply

AARP Rewards Platinum Visa® Card

A full 1% back for every dollar you spend.

Summary:

APR for Balance Transfers: 0.00% (for Up to 6 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $15-$35
Overlimit Fee: $29.00
Grace Period: At least 20 Days
Annual Fee: None

    Features:

• Earn one reward point for every dollar you spend.*
• 0% APR for up to 6 months and pay no annual fee.*
• No telemarketing calls.
• Zero unauthorized liability.
• Exclusive discounts for AARP Platinum Visa cardmembers.
• Automatic AARP Rewards Platinum Visa card benefits.
  
  *See Pricing & Terms.

More info           Apply

Chase Free Cash Rewards^SM Visa® Card

A decision that's easy to make: FREE CASH!

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None

    Features:

• Earn 1 point for every eligible $1 in purchases*
• 1,000 Bonus Points* with your first purchase
• Intro 0% Fixed APR for up to 12 months*
• No Annual Fee
• Get your rewards with as few as 2500 points
• Choose from either a $25 check or a $25 gift card/certificate
  
  *See Pricing & Terms.

More info           Apply

Capital One® Standard Platinum

Great choice if you carry a balance short-term.

Summary:

APR for Balance Transfers: 19.80%
Ongoing APR: 19.80%
Intro APR for Purchases: 0.00% (for — until December 2008)
Balance Transfer Fee: None
Late Fee: $15-$39
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: 25 Days
Credit Line: $300-$3,000*
Annual Fee: None

    Features:

• 0% on purchases until December 2008. After that, variable APR, currently 19.8%
• No annual fee
• Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Saving Zone^SM on Yahoo! Shopping
• Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance
  
  *See website for Disclosures.

More info           Apply

Chase Flexible Rewards^SM Platinum Visa®

Your choice. Your chase.

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)*
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% (minimum $5; maximum $75)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: At least 20 Days
Annual Fee: None

    Features:

• Earn 1 point for every dollar spent*
• Earn airline tickets, hotel stays or car rentals.
• 0% introductory APR* for up to 12 months
• The time period for the intro APR and balance transfers to which it will apply will be based on review of your application and credit history
• No Annual Fee
  
  *See Pricing & Terms.

More info           Apply

Citi® Dividend Platinum Select® Card for College Students

You've got the power to build your future.

Summary:

APR for Balance Transfers: 0.00% (for 6 Months)
Ongoing APR: Prime + 7.99% (Currently 12.99%)
Intro APR for Purchases: 0.00% (for 6 Months)
Balance Transfer Fee: No balance transfer fee with this offer*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None

    Features:

• 0% APR* for 6 months on purchases, cash advances and balance transfers as long as you do not default under any Card Agreement*
• Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter.
• Earn 1% cash back on all other purchases
• No minimum income or cosigner required
• Build your credit history
• No balance transfer fee with this offer
  
  *See Terms and Conditions.

More info           Apply

Citi® Diamond Preferred® Rewards Card

For every passion, there's a reward.

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 5.49% (Currently 10.49%)
Balance Transfer Fee: 3% (minimum $5)*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None

    Features:

• 0% APR* on balance transfers for up to 12 months
• $50 Gift Card - Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening*
• 5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases*
• No annual fee and FREE rewards program
• Citi® Identity Theft Solutions
• Price Protection Program
• $0 Liability on unauthorized purchases
  
  *See Terms and Conditions.

More info           Apply

Platinum Business Credit Card from American Express®

Platinum Business Credit Card from OPEN® the Small Business Team

Summary:

APR for Balance Transfers: Fixed 4.99% (for Life of Balance)
Ongoing APR: As low as Prime + 2.99% (Currently 7.99%)
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: None if submitted with this application*
Late Fee: $19-$38
Overlimit Fee: $35.00
Grace Period: 25 Days
Credit Line: $1,000 to $50,000
Annual Fee: None

    Features:

• Option to enroll in the Membership Rewards Express® Program fee-free
• There's no limit to the number of points you can earn
• Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
• 0% APR for the first 12 months
• No annual fee and fee-free Additional Cards
• Balance Transfer APR: 4.99%*
• Get a decision in less than 60 seconds
• Easy, 1-page online application
  
  *View Terms & Conditions.

More info           Apply

Advanta Life-of-Balance Platinum Card

The BusinessCard as individual as your business...only from Advanta.

Summary:

APR for Balance Transfers: 2.99% (for Life of Balance*)
Ongoing APR: Prime + 2.24% (Currently 7.24%)
Balance Transfer Fee: Waived for the introductory offer*
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: 20 Days
Annual Fee: None

    Features:

• 2.99% Fixed APR for LIFE on balances transferred within 3 months
• Choice of 6% Cash Back on Bonus Qualifying purchases* or Travel Rewards
• No Annual Fee and No Limit on Earnings
• Get employee cards with no fee and set spending limits per user
• $0 Fraud Liability
• Personalized card — your company name on the card, plus your logo.
  
  * See website for Terms and Conditions.

More info           Apply

Citi® Diamond Preferred® Card

Apply now — it's in your best interest!

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None

    Features:

• 0% APR* on balance transfers and purchases for up to 12 months
• No annual fee
• Citi® Identity Theft Solutions
• $0 Liability on unauthorized purchases
• Secure, free online account management
• Balance transfer fee applies with this offer
  
  *See Terms and Conditions.

More info           Apply

AT&T Universal Savings Platinum Card

The innovation that saves you 10% on all the others.

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.99% (Currently 8.99%)*
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Credit Line: Minimum $500
Annual Fee: None

    Features:

• Up to 10% savings for the first 12 months on AT&T purchases*
• Plus AT&T calling benefits*: Up to 30 free phone minutes each month
• 0% APR on balance transfers for up to 12 months*
• No annual fee
  
  *See Terms and Conditions.

More info           Apply

Advanta Custom Platinum BusinessCard with Rewards

A business credit card, now with your favorite image on it.

Summary:

APR for Balance Transfers: 0.00% (for 15 Months)
Ongoing APR: Prime + 0.24% (Currently 5.24%)
Balance Transfer Fee: 3% (minimum $5; maximum $50)
Late Fee: $19-$39
Overlimit Fee: $15-$39
Returned Check Fee: $35.00
Grace Period: YES*
Credit Line: Up to $50,000
Annual Fee: None

    Features:

• 0% APR for 15 Months on Balance Transfers, 7.99% Fixed APR thereafter*
• 7.99% Variable APR on Purchases
• Choice of 5% Cash Back on office supplies, gas and more*
• No Annual Fee and No Limit on Earnings
• Get employee cards with no fee and set spending limits per user
• $0 Fraud Liability
• Personalized card — your company name on the card, plus logo or other image!
• No Tax ID required for application
• Build Business Credit with the Advanta BusinessCard
  
  * See website for Terms and Conditions.

More info           Apply

First Equity Platinum Small Business Visa®

First Equity specializes in credit for businesses!

Summary:

Ongoing APR: As low as 0%*
Late Fee: $39.00
Overlimit Fee: $39.00
Returned Check Fee: $39.00
Grace Period: At least 20 Days
Credit Line: Up to $100,000
Annual Fee: $0-$39

    Features:

• APR as low as 0.0%*
• Working Capital Credit Line of up to $100,000
• Customized with your Business Name at the top
• Free Additional Cards for Employees
• Earn up to 5% cash back on qualified purchases*
  
  *First Equity Terms & Conditions.

More info           Apply

Citi® Platinum Select® MasterCard®

We'd like to peak your interest, not your interest rate.

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 3.49% (Currently 8.49%)
Intro APR for Purchases: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None

    Features:

• 0% APR* on balance transfers and purchases for up to 12 months
• No annual fee
• Citi® Identity Theft Solutions
• $0 Liability on unauthorized purchases
• Secure, free online account management
  
  *See Terms and Conditions.

More info           Apply

HSBC Platinum MasterCard® with Cash Back Rewards

If you prefer cash back to reading the fine print, this card is for you.

Summary:

APR for Balance Transfers: 0.00% (for for the first 12 Months*)
Ongoing APR: As low as 8.99%
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Late Fee: $15-$39
Overlimit Fee: $35.00
Grace Period: 20 Days
Annual Fee: None

    Features:

• Earn an unlimited 1% cash back on every single purchase
• Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
• Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
• 0% Intro APR on balance transfers for the first 12 months*
• No annual fee
  
  *See terms & conditions.

More info           Apply

HSBC Weekend Card

Cash back on all purchases, all the time—double cash back on weekends.

Summary:

APR for Balance Transfers: 0.00% (for 12 Months)
Ongoing APR: As low as 8.99%
Intro APR for Purchases: 0.00% (for 12 Months)
Balance Transfer Fee: 3% ($15 minimum) max. $99 during the Introductory Period*
Grace Period: 20 Days
Annual Fee: None

    Features:

• Earn a full 2% cash back on every single credit card purchase made on Saturdays and Sundays
• 1% cash back on every single credit card purchase made Monday through Friday
• Simple and straightforward: no earnings caps, spending requirements, tiers or point expiration
• Platinum benefits include unlimited purchase protection, extended warranties and rental car insurance
• 0% Introductory APR on balance transfers for 12 months*
• No annual fee
  
  *See terms & conditions.

More info           Apply

Bank of America WorldPoints™ Platinum Plus® Card

The WorldPoints credit card gives you a world of choice.

Summary:

APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Ongoing APR: As low as Fixed 9.99%*
Balance Transfer Fee: 3% (minimum $10)
Late Fee: $15-$39
Overlimit Fee: $15-$39
Grace Period: 20 Days (Min.)
Annual Fee: None

    Features:

• Earn 1 Point for every dollar you spend in net retail purchases.*
• Points are redeemeable for cash, brand name merchandise, travel with no blackout dates dining certificates and more.
• No annual fee
• Low Intro Rate
• Absolute Fraud Protection
• Free 24/7 Concierge Service
• Card issued by FIA Card Services, N.A.
  
  *See website for important rate and fee information.

More info           Apply

Discover® More^SM Card - Sealife Collection

Choose Your Sealife Card Design!

Summary:

APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 10.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None

    Features:

• 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
• 5% to 20% Cashback Bonus® at top online retailers*
• Up to 1% Cashback Bonus®on all other purchases automatically
• Unlimited cash rewards*
• Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
• Easy online account options that put you in control
• Timely e-mail reminders to help you avoid fees
  
  *View rates, fees, rewards and other important information.

More info           Apply

Discover® More^SM Card

Get it all... 5% Cashback Bonus® in categories that change four times a year*

Summary:

APR for Balance Transfers: 0.00% (for *)
Ongoing APR: As low as 10.99%
Intro APR for Purchases: 0.00% (for *)
Balance Transfer Fee: 3% (minimum $10; maximum $75)
Late Fee: $19-$39
Overlimit Fee: $15 or $39
Grace Period: 25 Days
Credit Line: Minimum $5,000
Annual Fee: None

    Features:

• 5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
• 5% to 20% Cashback Bonus® at top online retailers*
• Up to 1% Cashback Bonus®on all other purchases automatically
• Unlimited cash rewards*
• Increase, even double, your rewards when you redeem for gift cards from our 80 Cashback Bonus® Partners
• 0% Intro APR*
• Fraud specialists dedicated to helping you 24/7
• Timely e-mail reminders to help you avoid fees
  
  *View rates, fees, rewards and other important information.

More info           Apply

IberiaBank Visa® Platinum Rewards Card

The Platinum Card with the SCORECARD® Bonus Point Program.

Summary:

APR for Balance Transfers: 0.00% (for 6 Billing Periods)
Ongoing APR: As low as Prime + 0.99% (Currently 5.99%)
Balance Transfer Fee: None
Late Fee: $15-$35
Overlimit Fee: $35.00
Returned Check Fee: $29.00
Grace Period: 25 Days
Annual Fee: None

    Features:

• No annual fee
• 0% Introductory APR on balance transfers for your first 6 billing cycles
• Earn 1 bonus point for every $1 in net retail purchases and redeem your points for hotel rooms, gourmet dinners, travel, and more
  
  Download the Terms & Conditions here.

More info           Apply

Wyndham Rewards Mastercard^SM

More ways to earn! More ways to Reward yourself.

Summary:

APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Ongoing APR: As low as Fixed 9.9%
Balance Transfer Fee: 3% (minimum $10)
Late Fee: $15-$39
Overlimit Fee: $15-$39
Grace Period: 20 Days (Min.)
Annual Fee: None

    Features:

• Low APR
• Hotel Rewards
• No Annual Fee
• Balance Transfers
• Good to Excellent Credit Required
• Card issued by FIA Card Services, NA.
  
  *See website for important rate and fee information.

More info           Apply

Bank of America® Accelerated Rewards™ American Express® Card

Everyday life has its own rewards.^™

Summary:

APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Ongoing APR: Fixed 9.9%*
Balance Transfer Fee: 3% (minimum $10)
Late Fee: $15-$39
Overlimit Fee: $15-$39
Grace Period: 20 Days (Min.)
Annual Fee: None

    Features:

• 0% Intro Annual Percentage Rate (APR)* on balance transfers and cash advance checks for your first 12 billing cycles.
• No annual fee and the flexibility to pay over time
• Reedeem your points for travel with no blackout dates, discounts at hotels, cash, brand-name merchandise, or gift certificates*
• Earn rewards faster with 1.25 points for every net retail purchase dollar*
• Access to special Cardmember offers from participating American Express merchants to save on shopping, dining, travel, hotels, and much more.
• Free 24/7 Concierge Service
• Access to more than 2,200 American Express Travel Services locations worldwide to help you.
• Identify theft recovery and absolute fraud protection*
• Card issued by FIA Card Services, NA.
  
  *See important rate and fee information.

More info           Apply

NASCAR RacePoints^SM Platinum Plus® Visa® Card

Rewards at Every Turn.

Summary:

APR for Balance Transfers: 0.00% (for twelve billing cycles*)
Ongoing APR: As low as Fixed 9.9%*
Balance Transfer Fee: 3% (minimum $10)
Late Fee: $15-$39
Overlimit Fee: $15-$39
Grace Period: 20 Days (Min.)
Annual Fee: None

    Features:

• Introductory 0% Annual Percentage Rate (APR) for Cash Advance Checks and Balance Transfers* through your first twelve billing cycles.
• Earn NASCAR RacePoints® every time you make a purchase.
• No annual fee.
• Online Banking Service
• Total Security Protection®
• Card issued by FIA Card Services, N.A.
  
  * See website for important rate and fee information.

More info           Apply

Citi® Dividend Platinum Select® Card

Earn Cash Back on Everything.

Summary:

APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)
Balance Transfer Fee: 3% (minimum $5)*
Late Fee: $15-$39
Overlimit Fee: $39.00
Grace Period: 20 Days
Annual Fee: None

    Features:

• 0% APR on balance transfers for up to 12 months.*
• Earn 5% cash back on purchases at supermarkets, drugstores, gas stations, convenience stores, and utilities including cable for 6 months, and 2% cash back thereafter, plus 1% on all other purchases*
• Earn Cash Back on qualifying balance transfers and eligible cash advances.
• Earn unlimited cash back by shopping within the Citi Bonus Cash Center_SM
• No annual fee.
  
  *See Terms and Conditions.

More info           Apply