Compare gold & platinum credit cards

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

Find the cards most likely to say yes

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

15 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 20 months with a 2.9% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. 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.
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
Barclaycard Platinum Balance Transfer (15 Mths)
Balance transfers
0% for 15 months with no fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. 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.
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
Lloyds Bank 0% Purchase and Balance Transfer Card
Balance transfers
0% for 18 months with a 2.99% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Balance transfers
0% for 22 months with a 3% fee (£3 min.)
Purchases
0% for 22 months
Representative APR (variable)
20.9% APR
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 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
American Express Platinum Cashback Everyday Card
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
24.5% APR
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 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 24.5% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Barclaycard Platinum Balance Transfer (24 Mths)
Balance transfers
0% for 24 months with a 0.9% fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. 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.
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
Lloyds Bank Platinum Low Rate Credit Card
Balance transfers
9.94% p.a.variable with no fee
Purchases
9.94% p.a. variable
Representative APR (variable)
9.9% APR
Transfer a balance within 90 days of opening an account to get the no fee deal; otherwise the fee will be 5% thereafter. You may be eligible to apply for a second credit card. Conditions apply.
Representative Example: The standard interest rate on purchases is 9.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 9.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
American Express Platinum Cashback Credit Card
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
29.8% APR
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 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% (variable).£25 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
American Express Preferred Rewards Gold Credit Card
Balance transfers
-
Purchases
24.5% p.a. variable
Representative APR (variable)
59.9% APR
New Cardmembers: Earn 20,000 bonus Membership Rewards️ points when you spend £3,000 in your first three months of Card membership. 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 24.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 59.9% (variable).£140 annual fee.
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
TSB Platinum Purchase Card
Balance transfers
0% for 15 months with a 1.45% fee
Purchases
0% for 15 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal with 1.45% fee; otherwise the rate will be 21.95% p.a. variable with a 5% fee.
Credit limits, promotional periods and interest rates will vary based 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
UK Resident
TSB Platinum Balance Transfer Card
Balance transfers
0% for 27 months with a 2.95% fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal with 2.95% fee; otherwise the rate will be 21.95% p.a. variable with a 5% fee.
Credit limits, promotional periods and interest rates will vary based 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
UK Resident
Barclaycard Platinum Balance Transfer (27 Mths)
Balance transfers
0% for 27 months with a 1.15% fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. 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.
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
Barclaycard Platinum Balance Transfer (29 Mths)
Balance transfers
0% for 29 months with a 2.69% fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. 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.
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
Barclaycard Platinum Balance Transfer (28 Mths)
Balance transfers
0% for 28 months with a 1.6% fee
Purchases
0% for 3 months
Representative APR (variable)
21.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. 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.
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.

Last updated: 29 July, 2021

What are gold cards or platinum cards?

A platinum credit card or a gold credit card are elite and prestigious credit cards with added benefits such as rewards and higher limits. Some times there are 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.

Platinum cards are considered to be a tier above standard credit cards.

Are platinum credit cards worth having?

Platinum credit cards are considered elite. There’s no specific set of features that every one of these credit cards offers, but they do come with a range of different perks.

Some of the benefits and rewards could include:

  • Higher credit limits

  • 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

  • Complimentary extras such as airport lounge access

  • A bonus point scheme.

These features aren’t exclusive to platinum cards and can come with other credit cards too.

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 are 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 gold cards and platinum cards available.

But, 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, UK wide, have strict application criteria.

To get one of these exclusive credit cards, UK wide, 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, UK wide, have different rules on who can apply.

How to get accepted for a credit card.

Watch out for annual fees

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

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

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 are 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 amount of credit you use, compared to the amount of credit available to you.

So if you have a £3,500 credit limit 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 ration 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

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.

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.

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.

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

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.

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

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

About our credit cards comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

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.

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