Although they are some of the most prestigious cards on the market, there are no specific features that every gold or platinum card offers.

However, they can come with rewards and perks like:

  • A higher credit limit

  • Cashback, vouchers, air miles and other reward schemes

  • A higher cash withdrawal limit

  • Lower fees for using the card abroad

  • Bundled travel insurance

  • Lower interest rates

  • 0% deals for purchases and balance transfers

  • A higher level of protection on your purchases

These features are not exclusive to gold or platinum cards though, and can come with other credit cards too.

Where can you find gold and platinum cards?

The table above lets you compare every gold and platinum card available in the UK. It lists the APR, balance transfer deal and interest free period offered by each one.

Are gold and platinum cards the best you can get?

Some of the best cards on the market are gold and platinum cards, but it is not worth getting one just as a status symbol. You could get a better card by just looking for the specific features you need.

Get the best possible deal by comparing cards that are designed for what you need. We have comparison tables for cards that offer the following:

Are you eligible?

Gold and platinum cards usually have stricter application criteria. You may need some or all of the following for your application to be accepted:

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

  • A minimum age of 21* or more

*The usual minimum age for credit cards is 18.

However, every provider has different rules on who can apply for each of their cards.

Watch out for annual fees

Some cards have annual fees that could outweigh the benefits on offer. For example, if a platinum card would earn you 50 cashback each year but charged an annual fee of 60, it would not be worth it.

Gold and platinum FAQs


What is the difference between Visa, MasterCard and Amex gold and platinum cards?


They each provide a payment service to your credit card provider when you spend on your card - here is what they do and how they differ.


Is it possible to get a credit card with no credit limit?


Almost all credit cards will give you a specific credit limit. "Unlimited" cards usually still come with a limit based on your spending habits and income.


How many credit cards should I have?


Too many credit cards can hurt your credit record, but having cards for different uses can suit some people. Work out how many is too many here.


Does my credit record matter?


Yes, looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.


What is a credit limit?


The maximum amount you can owe on your credit card at any point, set by your provider. Here is how they work and how much it costs if you exceed it.


What charges come with my credit card?


Credit cards come with a range of charges, but you can usually avoid them if you understand how they work.


What rewards can I get with credit cards?


You can get credit cards that give you a percentage of what you spend back as cashback, air miles and other rewards (such as shopping vouchers).

About our credit cards comparison


Who do we include in this comparison?


We include all of the personal credit cards you can get in the UK, apart from those offered exclusively through other companies. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.