Best Platinum Credit Cards Comparison
|Credit Card||Best For||Annual Fee||Min. Credit Required|
|The Platinum Card® from American Express||Winner||$695||Good|
|Delta SkyMiles® Platinum American Express Card||Airline Miles||$250||Good|
|U.S. Bank Visa® Platinum Card||0% APR||$0||Good|
|Capital One Platinum Credit Card||Newcomers||$0||Limited History|
|Citi® / AAdvantage® Platinum Select® World Elite Mastercard®||Mastercard||$0 intro 1st yr, $99 after||Good|
|Comerica Bank Visa® Platinum Card||Balance Transfers||$0||Excellent|
How to Get a Platinum Credit Card: 4 Tips
- Estimate your monthly spending: How much you charge to your credit card, plus what exactly you buy, will affect how effective a given card can be. For example, many rewards credit cards offer bonus-earning rates in certain spending categories.
- Determine what you can afford to pay: If you plan on paying your bill in full every month, get a credit card with rewards. If not, look for a 0% credit card. Whether or not it’s worth paying an annual fee for a credit card depends on what you get in return.
- Check your latest credit score: All credit cards have certain minimum credit requirements. And you don’t want to waste time applying for a credit card that you can’t get approved for. You can check your latest credit score for free on WalletHub.
- Apply online: Some credit cards offer exclusive rewards bonuses to people who apply online. Plus, the response time will be a lot quicker. You may even be approved instantly.
Methodology for Selecting the Best Platinum Credit Cards
To identify the best platinum credit cards on the market, WalletHub’s editors regularly compare more than 1,500 credit card offers. After eliminating cards whose name does not include “Platinum,” we compare the remaining offers based on their rewards, interest rates, fees, assorted benefits and approval requirements. This enables us to select cards with platinum-level perks in the most popular usage categories.
WalletHub’s editors also use a similar process to identify the most exclusive and prestigious credit cards, which you can find listed on a separate page.