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Here’s what you need to know about platinum credit cards

Credit cards are one of those cornerstones of the modern world that were designed to make our lives easier; it facilitates easy buying and instills good credit habits in its users. The most common credit cards opted by people is the standard silver card that provides regular benefits to the users. If you wish to opt for a credit card that offers more benefits, you can upgrade to the gold or platinum credit cards.

Gold credit cards are great, but platinum credit cards are the ones that allow you to revel in the premium benefits you are entitled to on purchasing the card. If you are keen on availing of the benefits offered by platinum credit cards, then here are some things you need to know.

What exactly is a platinum credit card?
Platinum credit cards are those credit cards that are a class apart from the regular credit cards when it comes to providing its user with amazing benefits. The platinum credit cards, as the name suggests, are quite exclusive and you need to meet its high minimum income requirements to qualify for the same. Though the minimum income requirements are quite high, you can rest assured knowing that they offer higher credit limit and a plethora of other benefits that regular or gold credit cards do not offer. Platinum credit cards tend to offer complimentary insurance covers, and cardholders can also treat themselves to a personal concierge service as well. Mostly, all platinum credit cards are linked to one or the other rewards programs that permit its users to earn rewards as and when they use the platinum credit card.

What are the benefits of owning a platinum credit card?
Since you need a high minimum income requirement for applying for a platinum credit card, it is obvious that you will be the recipient of a wide array of exclusive benefits, and these are as follows:

Platinum credit cards offer complimentary extras such as concierge services, travel and purchase insurance, and other travel perks such as access to the airport lounge. Platinum credit card users are even offered domestic travel insurance and car rental insurance, depending on the credit card provider they have chosen.
Even gold credit cards offer reasonable reward points; however, owning a platinum credit card ensures that your rewards points are worthy enough of spending precious dollars for. Certain platinum credit cards offer 2 points for $1 that you spend, and this is quite impressive than the 1 point per $1 that standard credit cards offer its users.
Platinum credit card holders are offered complimentary insurance coverage, and they enjoy higher cover limits or lower excess costs than gold card holders.
If a reward credit card puts a limit on the number of points you can earn per statement for that particular year, then the platinum credit card usually has the highest caps.
Gold and platinum credit cards offer their users bonus points when they sign up for the particular credit card. Moreover, it is common knowledge that platinum credit cards offer more bonus points than gold credit cards.
Platinum credit cards are known to have a higher minimum credit limit than gold credit cards or other credit cards. This proves quite profitable if you spend a lot on credit and can manage your credit card payments skillfully.

Which are the popular platinum credit cards?
There are a plethora of credit card companies vying to attract more customers in a bid to stay ahead of their competition. Thus, you can expect many credit card companies offering attractive deals on their platinum credit cards. Some of the popular platinum credit cards are as follows:

First Progress Platinum Elite MasterCard® Secured Credit Card: This platinum credit card from First Progress is one of the best platinum credit cards; it is a secured credit card and you will have to pay $200 upfront as a security deposit, but this card is made accessible at a relatively low annual fee of $29. The minimum credit limit and maximum credit limit on this platinum credit card are $200 and $2,000 respectively.
Credit One Bank® Unsecured Platinum Visa® Credit Card: This platinum credit card from Credit One Bank is a blessing in disguise for people who have poor or bad credit; it helps them improve their credit scores. You can avail of this platinum credit card for $0 to $75 for the first year, and this price is subject to change after the first year. The maximum credit limit on this card is $300.
NetFirst Platinum: The NetFirst Platinum credit card, issued by Horizon Card Services is amongst those credit cards that cater to people with bad or no credit. Moreover, the application process doesn’t need an employment check or a credit, anyone who is employed can get their request for this platinum credit card approved.
USAA Rate Advantage Visa® Platinum Card: Here’s a platinum credit card that combines travel, identity protection, and shopping benefits with attractive finance add-ons that are meant for military service members. This platinum credit card doesn’t charge any annual fees and offers special benefits for military service members.

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