Platinum credit cards are great for those, who want to avail the best in services and possess a good to perfect credit card history. Platinum credit cards are offered by service providers like Visa, MasterCard, Discover and American Express.
Most platinum credit cards always offer both great interest rates and introductory interest rate. The cardholder of a platinum credit card is always benefited by its purchase protection programs, which protect purchases against theft and damage, warranty extensions, travel insurance coverage, travel and emergency assistance, emergency card replacement etc.
Platinum credit cards set a wall between your information and miscreants and thieves with the programs like identity theft program and $0 fraud liability. These programs alert the cardholder the moment a fraud possibility is detected. It addition to this feature, platinum credit card holder can enjoy an easy access to his credit report for free in case he wants to make sure the information, the bank is sending is correct or not and no authorized credit has been opened in his name.
Besides, there is no fee overdraft protection, attached to the platinum credit card. With this feature, the cardholder does not have to worry about exceeding his credit limit. In addition to this, a platinum credit card offers exclusive savings and discounts offers. With this credit card, the cardholder can easily enjoy airline lounges and better travel experience.
Some best platinum cards and their features and benefits:
Bank of America Platinum Plus Visa Card:
No annual fee
0 percent APR on purchases and balance transfers for the first six months of card membership
Charges no fee for balance transfers requested at the time of application
After introductory period, enjoy a low APR
Credit line upto $25,000
Citi Platinum Select Card
0% APR on balance transfer and purchases for up to 12 months
0% liability for fraud uses
No annual fee for your Citi Platinum Select Card
Nice low rate on purchases after the initial period
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