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Platinum Reward Credit Cards
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Would you like to enjoy the platinum benefits? A credit card that offers a higher line of credit than most gold cards, (generally more than $5,000). In addition, issuers provide extra perks or incentives to cardholders, like advanced customer service, lower interest rates and auto insurence. Browse through our credit card offers below! Application could not be easier. Just click and get a response in half a minute!
If you pay your balance in full every month, the best credit card for you may be the rewards credit card that earns you cash and other freebees such as points towards buying a car, vacation etc. Below we listed some of the best featured credit cards in this category.
If you need more information about credit cards, then have a look at our collection of related websites!
Make sure you read our terms and conditions before applying for a credit card!
Before selecting a credit card become familiar with the terms commonly used to describe the conditions of credit. To help you with the terminology, we assembled some crucial terms and their explanations.
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Chase Platinum
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0% Introductory APR for up to 12 months on all purchases and balance transfers*
No Annual Fee
Interest-free grace period when you pay your bill in full each month
Get great Platinum privileges
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Discover® More(SM) Card
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0% Intro APR*
More ways to earn more cash - than anyone else.SM*
5% Cashback Bonus® in categories like travel, home, gas, restaurants, movies and more
5% to 20% Cashback Bonus at top retailers through our exclusive online shopping site
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
Complete fraud protection for your peace of mind
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
Formerly Discover Platinum Card
*View Discover® Card Rates, Fees, Rewards and Other Important Information.
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American Express® Preferred Rewards Gold Card
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You can earn 10,000 Membership Rewards® bonus points after your first purchase with the Card -redeemable for a $100 gift card2
The Membership Rewards program§ - Whatever you want to do, this is the rewards program that can help make it happen. Exciting travel, entertainment, shopping, and dining experiences are waiting for you
Gold Card Events—exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide3
Global Assist® Hotline4 and many more benefits included
Purchase Protection Plan5, and many more benefits included
No pre-set Spending Limit
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American Express® Preferred Rewards Green Card
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You can earn 5,000 Membership Rewards® bonus points after your first purchase with the card --redeemable for a $50 gift card2
The Membership Rewards® program also lets you transfer points to 11 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs3
Purchase Protection Plan4 protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase
Many other travel and shopping benefits
No Pre-Set Spending Limit5
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One from American Express®
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The Savings AcceleratorSM Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings Account in your name
Earn a competitive Annual Percentage Yield(APY) of 3.50%
Get $50 to jump-start your savings after your first purchase
With the Interest Protection feature, you never pay interest on new purchases
No Preset Spending Limit
Never pay interest on new purchases
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MilesEdge® Platinum Visa® Card
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Card issued by FIA Card Services, NA.
Up to $1,000,000 in travel accident insurance.
Auto rental insurance.
Extended warranty protection.
Various travel and emergency assistance services.
Medical referral services.
Legal referral services.
Lost luggage recovery.
Emergency airline ticket replacement.
No liability for unauthorized Internet transactions.
Optional personal photo on card.
Discounts on auto rentals.
Optional Mini Card.
See website for additional benefits.
*See website for complete terms and conditions of card usage and application disclosure. * Terms and Conditions
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Blue Cash for Business Credit Card
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Up to 5% Cash Rebate
No Annual Fee
0% APR for up to 6 months
Built-in Smart Chip for Internet Security
Receive ongoing Savings at FedEx®, Kinkos® and Staples®
Option to pay over time or pay in full
OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
Earn cash rewards on purchases made by Additional Cardholders
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Blue from American Express®
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0% introductory rate for purchases for 15 months
Then a fixed APR Prime + as low as 3.99%
No annual fee
Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
Choose to carry a balance or pay in full
Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
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Discover® Open Road(SM) Card
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0% Intro APR*
5% Cashback Bonus for your gas and auto maintenance purchases.
Earn up to 1% Cashback Bonus on all other purchases automatically
$0 fraud liability guarantee
Advanced fraud early warning alerts
Fraud specialists dedicated to helping you 24/7
Customer service that puts you first
One call and we take care of it
Talk to a knowledgeable person in less than a minute
Easy online account options that put you in control
Timely e-mail reminders to help you avoid fees
No annual fee
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BP Visa® Rewards Card
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Earn up to 10% in rebates
Earn up to 5% in rebates
0% APR for up to 6 months
No annual fee
Online Account Management
Zero Liability against unauthorized purchases
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Terminology guide
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Annual Percentage Rate (APR)
The APR is a measure of the cost of credit, expressed as a yearly rate. The term was established by the Federal Truth-In-Lending law. A card issuer must also disclose the "periodic rate," which is the rate applied to any outstanding (unpaid) charge for each billing period. Example: 18% APR is 1.5% per month. The maximum APR that can be charged for credit cards is set by state law. Florida creditors cannot charge more than 18%, however some states have a higher ceiling. When shopping for a credit card remember, the lower the APR the lower the cost of financing. Some credit card issuers have lower APR than others. When considering a card issued in another state remember the APR conforms to that state's law not Florida's, so rates may be higher, or lower.
Some credit cards have a "variable rate." Rates can go up or down with certain economic indicators. If a credit card has a variable rate find out what index is used, what the percentage will be above the index, whether there is a minimum or maximum APR, how often and how much your rate can change and how a change will affect your minimum monthly payment.
Grace Period (Free Period)
The grace period allows you to avoid paying a finance charge by paying your current balance in full before the "due date" shown on your statement. Many credit card companies offer a grace period, but not all do. If there is no grace period, a finance charge will be imposed on each purchase from the day it is posted to your account.
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If your card offers a free grace period your bill must be mailed 14 days before your payment is due. This is to ensure that you have enough time to make your payment before the due date. However if your bill is mailed to a distant location 14 days is not a long time because your bill must be mailed to you and your payment received by the company by the due date. Note: Payment to your account is credited on the date the payment is received, NOT on the date you mailed the payment.
Annual Fees
Most credit cards issued by a financial institution involve an annual fee. Merchant issued credit cards generally do not charge an annual fee.
Although most multipurpose cards assess a fee, the fees vary in amount and some cards are available without a fee. For example, some credit unions offer cards to members without assessing a fee. Some financial institutions offer cards without fees to depositors with certain types of accounts. Some credit card companies offer to waive the first year's annual fee to attract new card holders.
Transaction Fees
Most cards issued by financial institutions can be used to obtain cash in advance. Fees charged vary according to the system used. It is important to compare these charges.
Late Fees
Most credit card issuers assess a late fee if a payment is not made on the account by a specified date.
Credit Ceilings
Credit card issuers usually set a maximum amount on the credit available to a card holder. If the line of credit is not sufficient, the card holder can request a higher credit ceiling. If the card holder's income and credit history justify it, most companies will increase the amount of credit available up to levels established by company policy.
Since multipurpose cards can be used at many locations some holders exceed their credit limits. To discourage this practice most card issuers impose a fee for exceeding the credit limit. This fee is added each month that the account exceeds the credit limit.
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Links to related web content:
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Copyright 2003-2005 by Platinum Creditcards - Last updated on 2008-04-30
Site designed by Logo Design - Photos by Photo Travelogue
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