Compare gold & platinum credit cards

Choose from exclusive credit cards, which could offer added perks like higher credit limits, rewards schemes and lower interest rates.

  • Find out whether you'll be accepted or not quickly
  • Choose credit cards you’re likely to get
  • Apply in minutes

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score.

Find and compare the cards available to you,

without affecting your credit score

Compare gold & platinum credit cards from leading bank providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare gold & platinum credit cards

1

Compare credit cards

Use our table of offers to find a credit card that offers all the features you need with the lowest fees and interest rates.

2

Check your eligibility

Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.

3

Apply for the card you want

Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.

Gold and platinum credit cards

8 results found, sorted by most popular. How we order our comparisons.
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Barclaycard Platinum Balance Transfer & Purchase Credit Card
Balance transfers
0% for 22 months with a 2.9% fee
Purchases
0% for 24 months
Representative APR (variable)
21.9% APR
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Balance transfers
0% for 24 months with a 3% fee (£3 min.)
Purchases
0% for 24 months
Representative APR (variable)
21.9% APR
Sainsbury's Bank Dual Offer Credit Card
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 24 or 16 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
American Express Platinum Cashback Everyday Card
Balance transfers
-
Purchases
25.3% p.a. variable
Representative APR (variable)
25.3% APR
American Express Platinum Cashback Everyday Card
Get 5% cashback up to £100 in your first 3 months of Card membership. After the first 3 months earn up to 1% depending on how much you spend.
Balance transfer facility is only available on request and at the discretion of Amex. Cashback earn rates will change from the 4th August.
Representative Example: The standard interest rate on purchases is 25.3% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.3% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Platinum Balance Transfer (30 Mths)
Balance transfers
0% for 30 months with a 2.98% fee
Purchases
21.9% p.a. variable
Representative APR (variable)
21.9% APR
Barclaycard Platinum Balance Transfer (30 Mths)
Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
American Express Preferred Rewards Gold Credit Card
Balance transfers
-
Purchases
25.3% p.a. variable
Representative APR (variable)
61% APR
American Express Preferred Rewards Gold Credit Card
Earn 20,000 Membership Rewards points when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Terms Apply. Eligible for two £5 Deliveroo vouchers per month (£10 total), when you spend at Deliveroo with your Gold Card.
Representative Example: The standard interest rate on purchases is 25.3% p.a. (variable), so if you borrow £1,200 the Representative APR will be 61% (variable).£140 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
American Express Platinum Cashback Credit Card
Balance transfers
-
Purchases
25.3% p.a. variable
Representative APR (variable)
30.7% APR
American Express Platinum Cashback Credit Card
Get 5% cashback up to £125 in your first 3 months of Card membership. After the first 3 months earn up to 1.25% depending on how much you spend.
There is an annual charge of £25. Balance transfer facility is only available on request and at the discretion of Amex. Cashback earn rates will change from the 4th August.
Representative Example: The standard interest rate on purchases is 25.3% p.a. (variable), so if you borrow £1,200 the Representative APR will be 30.7% (variable).£25 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Platinum Balance Transfer (27 Mths)
Balance transfers
0% for 27 months with a 1.28% fee
Purchases
21.9% p.a. variable
Representative APR (variable)
21.9% APR
Barclaycard Platinum Balance Transfer (27 Mths)
Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

What are gold cards or platinum cards?

A platinum credit card or a gold credit card are elite and prestigious credit cards, considered to be a tier above standard credit cards. They come with added benefits, such as rewards and higher limits. Sometimes they're referred to as high limit credit cards.

The perks vary from card to card. Some charge fees, and others don’t.

Some of the popular choices include, the Amex Gold, American Express Gold, Barclaycard Visa Platinum, Barclaycard Gold, and First Direct Gold card. But there are lots of other options too.

Woman with shopping bags

Are platinum credit cards worth having? 

Platinum credit cards are considered elite.

Whilst features for each card differs, they do come with a range of different perks, which aren't necessarily exclusive to platinum cards:

  • Higher credit limits

  • Cashback, vouchers, air miles and other reward schemes

  • Lower fees for using the card abroad

  • Lower interest rates

  • 0% deals for purchases and balance transfers

  • A higher level of protection on your purchases

  • Complimentary extras such as airport lounge access

Can you get a high limit credit card?

The truth is that rarely do credit card providers market their cards as high limit credit cards. That's because credit limits can vary greatly from one individual to another.

The credit limit you're offered depends on your credit worthiness and financial circumstances. So if some people are offered high limits on their credit cards, that doesn't mean that everyone will be offered the same limits.

The table above lets you compare gold cards and platinum cards, so you can find a premium credit card that suits you. You can see the APR, balance transfer deal and interest-free period offered by each one.

Are gold and platinum cards the best cards available?

Some of the best cards on the market are gold and platinum cards. From the Barclays Gold Credit Card and Amex Gold Credit Card, to the Platinum Visa, there are many other gold cards and platinum cards available.

Are you getting the best deal on a platinum card?

Before you decide whether to go ahead and apply for a platinum credit card or a gold credit card, check to make sure you’re getting the best deal.

It’s not worth getting an exclusive credit card just as a status symbol. You might be able to get a better card by looking for the specific features you need.

Compare cards that are designed specifically for what you need, so you can get the best possible deal. We have comparison tables for cards that offer the following:

Are you eligible for a gold credit card or platinum card?

Gold credit cards and platinum cards, have strict application criteria.

To get one of these exclusive credit cards, you might need some or all of the following:

  • A high income (over £40,000, for example)

  • A strong credit history

  • A minimum age of 21*.

However, each of the exclusive credit cards have different rules on who can apply.

Watch out for annual fees

Some exclusive credit cards, have annual fees that could outweigh the benefits on offer.

For example, you would earn you £50 cashback yearly from a platinum credit card, but the provider charged an annual fee of £60, it wouldn’t be worth having.

Salman Haqqiquotation mark
If you have a credit card, your credit score could be impacted by your credit utilisation. Ideally, you should try not to exceed 30% of your utilisation rate. As this shows that you aren’t reliant on your credit card for funds. 
Salman Haqqi, Personal finance editor

Do you need a high limit credit card?

If you regularly run up high balances on you credit credit card, it may be worth getting one with a high maximum limit that'll help your credit utilisation ratio.

But you should only consider a high limit credit card if you're sure that you can keep up with repayments. Premium credit cards also tend to have higher interest rates, so if you want to avoid paying extra in interest, it's best to pay off your balance in full every month.

What is credit utilisation?

Credit utilisation is the amount of credit you use, compared to the amount of credit available to you.

So if you have a £3,500 credit limit on one credit card and your balance is £1000, then your credit utilisation would be 28.5%. If you have several credit cards, you'll have to factor in the balances and limits of all your credit cards.

A low credit utilisation rate shows that you're using less of your available credit. That indicates that you're doing a good job of managing credit by keeping your spending in check.

Most providers recommend an optimal credit utilisation ratio of 30% or below, but even 50% is acceptable and will help with your credit worthiness and make it easier get credit in the future.

*The usual minimum age for standard credit cards is 18.

Gold and platinum FAQs

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Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

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Last updated: 24 March, 2022