Credit Cards (US)

Best platinum credit cards: the TOP 5!

If you're looking for a high-end card with plenty of perks and rewards, a platinum credit card may be the best option. Here are five of the best platinum credit cards available.


by Vinicius Barbosa

Published on 09/08/2022

Platinum credit cards are the best of the best when it comes to credit cards

woman smilling enjoying massage spa resort travel perks
Platinum cards come with special perks, including spas, resorts, hotel stays, and much more. Source: Freepik.

When it comes to credit cards, there are different levels of status and prestige. At the top of the pack with the best ones are platinum credit cards.

Platinum cards offer a variety of perks and status symbols that let the world know you’ve arrived.

Some of the benefits you can expect with a platinum card include no foreign transaction fees, higher spending limits, and access to exclusive perks and rewards programs.

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If you’re looking for a top-of-the-line credit card, a platinum card is definitely worth your consideration.

Platinum cards usually require an excellent credit score and sometimes even a good income. But if you’re looking for the best of the best, you’ll need to meet the criteria for a platinum card.

Here’s our list of the Best Platinum Credit Cards

Platinum credit cards are the highest level of credit card and, as such, come with a host of perks and benefits such as cashback and travel miles. 

There are a few things to consider when choosing the best platinum credit card for you. These include the annual fee, the interest rate, the grace period, and the rewards program. 

If you’re looking for a high-end card with plenty of perks and rewards, a platinum credit card may be the best option. Here are five of the best platinum credit cards available:

1. American Express Platinum Card

The American Express Platinum Card is one of the best platinum credit cards available.

It offers a variety of benefits, including a $200 airline fee credit, a $200 annual Uber credit, and 5X Membership Rewards points on airfare booked directly with airlines or through American Express Travel. 

In addition, cardholders get access to more than 1,200 airport lounges worldwide and up to $100 in statement credits annually for Global Entry or TSA PreCheck. 

It also comes with a number of other benefits, an extensive list of perks on travel, and no foreign transaction fees. 

2. Bank of America® Platinum Plus® Mastercard® Business

If you’re looking for a card that has no annual fee and offers 0% intro APR on purchases, this might be the perfect fit. The first 90 days of account opening are accompanied by a $300 statement credit after spending $3,000!

With this card, you’re covered no matter what! Travel Accident Insurance and Auto Rental Insurance offer protection from travel mishaps. 

Plus, with Collision Damage Waiver for rental cars, you can be confident knowing that if anything happens on your trip, then they will take care of everything related to repairing or replacing damages.

Also, you’ll get Fraud Protection service and $0 fraud liability if your card is lost or stolen. 

With so many great features, it’s no wonder the Bank of America Platinum Plus Mastercard Business is one of the best platinum credit cards available.

3. The Delta SkyMiles® Platinum American Express Card

business man giving boarding pass female staff
Some platinum cards will give you first-class upgrades. Source: Freepik.

One of the best platinum credit cards on the market. It offers a wide range of benefits, including 3x miles on hotels, Delta purchases, and 2X miles on dining and groceries.

If you love to travel, it also offers a First Checked Bag Free benefit of Card Membership. You can save up to $60 on a round-trip Delta flight per person. For families traveling together, that’s potential savings in excess of 240 bucks!

In addition, cardholders can enjoy complimentary access to the Delta Sky Club® and American Express Centurion® Lounges. It has an annual fee of $250 and a variable APR between 17-26%.

Overall, the Delta SkyMiles® Platinum American Express Card is an excellent choice for anyone who frequently flies Delta or wants to take advantage of American Express’s extensive list of benefits.

4. Union Bank® Platinum™ Visa® Credit Card

This card features one of the most generous intro APRs around – 0% for 15 months! And as if that’s not enough, there are also no annual fees.

It provides all these benefits without compromising on security with Zero Fraud Liability protection which means you won’t be held responsible in cases where someone makes an unauthorized charge using your account or information.

So, if you’re looking for safety or a low interest rate, the Union Bank Platinum Visa Credit Card has it all.

5. Citi® AAdvantage® Platinum Select® World Elite Mastercard®

friends having fun drinking champagne paying with platinum credit card
Enjoy VIP benefits with your platinum credit card. Source: Freepik.

One of the best platinum credit cards on today’s market. 

With a generous welcome bonus that offers 50,000 AAdvantage miles after spending $2,500 in purchases within 3 months. 

Additional benefits include earning 2 miles per dollar spent at American Airlines stores or 1 mile every time you use your card for any purchase, not just eligible airfares. This offer has everything people could want! 

There are also no annual fees until year two, when it jumps up to $99.

So if you’re looking for a platinum credit card that offers great benefits and rewards, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is hard to beat.

The Platinum credit card is a high-end product that offers luxury to its users. They offer generous rewards, low-interest rates, and top-notch customer service. 

Platinum cardholders also enjoy exclusive access to perks like private concierge services and VIP treatment at hotels and restaurants.

If you’re looking for a premium credit card experience, a platinum card is a way to go.

Credit card rewards are awesome benefits! But do they make you spend more?

Even though it is always convenient to have a credit card that offers rewards like cashback and discounts, how much getting these perks makes you spend more?

Keep reading our following content: Do credit card rewards make you spend more? And find out.

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Do credit card rewards make you spend more?

Are those cashbacks offers too tempting? Read about what are credit card rewards and if having one makes you spend more.

About the author

Vinicius Barbosa

Vinicius Barbosa is a writer of finance-related content on this portal. Graduated in Social Communication, he writes about everything that involves the world of finances, from credit card recommendations to investment tips, for readers who want to make better decisions when it comes time to spend their money or invest wisely.

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