Platinum Rewards Programs
Many credit card issuers offer different versions of the same credit card, assessing cardholders' eligibility based on their credit history, income and other factors. Platinum rewards program credit cards are often seen as desirable because they usually offer more benefits and better deals on reward programs.
The amounts of points or rebates that can be earned from a platinum reward program are often higher than average and the redemption options are more flexible. However, there may be additional fees attached to a platinum card, so always research carefully. Depending on your income and spending requirements, a platinum card might suit your needs but you may also find that you won't use many of the rewards it provides.
Browse our Platinum reward credit cards below
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Starwood Preferred Guest® Credit Card from American Express
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- No annual fee for the first year and $45 thereafter
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Express Approval. Get a decision in less than 60 seconds
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 2.90% on Purchases and Balance Transfers for 6 months |
15.24% variable |
Very Good |
$45** |
Platinum Delta SkyMiles® Credit Card from American Express
- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Earn one companion Coach Class ticket each year upon renewal
- Earn at least 1 mile for every eligible dollar spent
- Miles never expire and there is no cap on the miles you can earn
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Express Approval. Get a decision in less than 60 seconds
- Check your first bag for free on every Delta flight
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. |
14.5% variable |
Very Good |
$150 |
IberiaBank Visa® Platinum Rewards Card
- No annual membership fee
- Low variable rate of 9.25%, 12.25%, or 15.25% (Prime + 6.00%, Prime + 9.00%, or Prime + 12.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
- Low Introductory ARP on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
- Earn 1 bonus point for every $1 in qualifying net retail purchases
- Turn your points into hotel, gift, or experience rewards
- Travel accident coverage up to $1,000,000
- Online access to credit card account information
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 1.99% APR for 6 Months |
9.25%, 12.25%, or 15.25%* |
Very Good |
$0 |
Citi® Dividend Platinum Select® MasterCard®
- 0% Intro APR on Balance Transfers for 15 months. After that, the APR will be 12.99%-20.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
- Earn 5% cash back at restaurants and on car rentals and hotels from 7/1/10 to 9/30/10. Enrollment required each quarter.
- Full 1% cash back on eligible purchases and cash advances.
- Earn extra cash back on popular, rotating categories each quarter.
- Average 5% additional cash back through Citi Bonus Cash Center®
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 15 Months* |
12.99% - 20.99%* (Variable) |
Very Good |
$0 |
Discover® More Card - Black
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 9 months, then the Regular APR
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 20.99% (V)* |
Very Good |
$0 |
Discover® More Card - $75 Cashback Bonus
- 0% intro APR on balance transfers for a full 12 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- Get $75 Cashback Bonus when you make $500 in purchases within 3 months
- 5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 20.99% (V)* |
Very Good |
$0 |
Discover® Open Road Card
- 2% Cashback Bonus automatically at any gas station and any restaurant
- 5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
- Up to 1% unlimited Cashback Bonus on all other purchases
- 0% intro APR on balance transfers for 12 full months, then the Regular APR
- 0% intro APR on purchases for 6 months, then the Regular APR
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 20.99% (V)* |
Very Good |
$0 |
The Platinum Card® from American Express
- Earn 25,000 Membership Rewards? bonus points when you spend $1,000 in your first 3 months of Card membership - redeemable for one domestic round-trip Coach-Class airline ticket!
- Airport Club Access: Access airport lounges around the world, compliments of Airport Club Access Program.
- 24-Hour Concierge Service: From buying gifts to making reservations, the Platinum Card? Concierge is at your service so you can spend your energy doing what you want.
- FINE HOTELS & RESORTS: Receive special amenities and comforts when staying at more than 600 boutique, resort and luxury hotels around the world.
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
Very Good |
$450 |
Citi® Platinum Select® MasterCard®
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR* |
11.99% - 19.99%* (Variable) |
Very Good |
$0* |
Citi® mtvU™ Platinum Select® Visa® Card for College Students
- No Cosigner Required
- Earn 5 ThankYou® Points for Every Dollar You Spend at Restaurants, Bookstores, Record Stores, Movie Theaters, and Video Rental Stores
- Earn 1 ThankYou Point For Every Dollar You Spend on All Other Purchases
- Earn Up to 2000 ThankYou Points Twice a Year for Maintaining a Good GPA
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 7 Months* |
12.99% - 21.99%* (Variable) |
Very Good |
$0 |
BuyRIGHT Pre-Paid MasterCard®
- Free Direct Deposit
- On-Time Monthly Payments Reported To at Least One Major Credit Bureau
- Free Account Activity Alerts
- Flexible Fee Structure
- BuyRIGHT Rewards Program
- BuyRIGHT Cash Back Referral Program
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
No APR |
Very Good |
$0 |
Citi® Dividend Platinum Select® Card for College Students
- No Cosigner Required
- Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
- Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
- Earn a full 1% cash back on all other purchases*
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| 0% Intro APR for 7 Months* |
12.99% - 21.99%* (Variable) |
Very Good |
$0 |
Platinum Zero® Secured Visa® Credit Card from Applied Bank®
- ZERO - 0% FIXED APR on Purchases - No Intro Rates!
- ZERO - 0% Rate Won’t Change - Even If You’re Late!
- ZERO Application Fees
- ZERO Worries - FREE Personal ID Theft Protection
- ZERO Delays - Timely CREDIT Bureau Reporting
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
0% |
Bad or None |
$0* |
Smart Cash MasterCard® Credit Card
- Get up to 5% cash back on qualifying net retail gas and grocery purchases for the first 6 months††
- Get up to 3% cash back on qualifying net retail gas and grocery purchases thereafter‡
- Get up to 1% cash back for all other qualifying net retail purchases‡
- 1.99% introductory annual interest rate† on balance transfers* and cheque cash advances for 10 months
- Feel secure with around-the-clock fraud protection
- Enjoy free online access to your credit card account
- No annual fee
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
19.99%* |
Very Good |
$0 |
Platinum Plus® MasterCard® Credit Card - 1.99 for 10
- 1.99% Introductory Annual Interest Rate* for 10 Months on Cheque Cash Advances and Balance Transfers*
- No Annual Fee
- 17.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Around-the-Clock Fraud Protection
- Online Access to Your Credit Card Account
- Unparalleled 24-Hour Customer Service
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
17.99%* |
Very Good |
$0 |
WorldPoints® MasterCard® Credit Card
- 1,000 Bonus WorldPoints After Your First Purchase*
- No Annual Fee
- 19.99% Annual Interest Rate on Purchases and 19.99% Annual Interest Rate on Cash Advances
- Earn 1 WorldPoint for Every $1 in Net Retail Purchases
- Online Access to Your Credit Card Account
- Unparalleled 24-Hour Customer Service
- Apply online now or read our review
| Intro APR |
Regular APR |
Credit Needed |
Annual Fee |
| No Introductory Rate Available |
19.99%* |
Very Good |
$0 |
