Gold & Platinum
Credit Cards

Gold and Platinum Credit Cards offer high Credit Limits up to £50,000, plus a number of benefits including 0% Balance Transfers, 0% Purchases, Rewards, Cashback and Purchases Protection.

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Credit Cards

Editors Choice - Barclaycard Platinum - 0% for 22 months

Not only do Barclaycard offer 0% on Balance Transfers for 22 months, they also offer 0% for first 3 months on any purchases made...

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Gold & Platinum Credit Cards

Barclaycard Gold

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Introductory Offer
Balance Transfer Rate: 0% p.a. until Sep 2012
Balance Transfer Fee: 2.50%
Purchase Rate: N/A
Representative APR
Purchases: 19.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 19.9% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You haven't missed multiple payments on a credit agreement within the last 12 months
  • You don't have a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) and haven't been registered bankrupt
  • You don't already have a Barclaycard
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £10,000 p.a

Credit Card Benefits

  • If you have had small payments issues in the past this card could help by managing your Barclaycard Gold and other accounts responsibly (for example by paying your mobile phone and utility bills on time), you could help strengthen your Credit Rating.
  • You can transfer between £250 and £5,000 or 90% of your credit limit, whichever is lower, depending on the available credit limit on your account.

Credit Card Rewards

  • Barclaycard Freedom is a loyalty scheme like no other, allowing you to automatically earn Reward Money at participating retailers, which you can then redeem against your next transaction at a number of stores within the programme.

RBS Platinum

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% p.a. 6 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have an exisiting RBS Current A/C
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Barclaycard Platinum (Low Fee)

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 16 mths
Balance Transfer Fee: 1.60%
Purchase Rate: 0% p.a. 3 mths
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 18.9% p.a.
Balance Transfer Fee: 3.20%
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: Subject to Status
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are 21 years or over
  • You are a permanent UK resident
  • You have no history of bankruptcy, had an IVA's or CCJ's.
  • You haven't missed a payment on either a credit card or mortgage in the last 12 months.
  • You have a regular income of more than £20,000 per annum
  • You have not been declined for credit in the last six months.
  • You do not have debts on other credit cards greater than £20,000

Lloyds TSB Platinum

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Advice

Keep track of your money across your Lloyds TSB personal current and credit card accounts with Money Manager and Active Account Monitoring to spot any suspicious spending.

Introductory Offer
Balance Transfer Rate: 0% p.a. for 15 mths
Balance Transfer Fee: 3%
Purchase Rate: 0% p.a. 3 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 27.9% p.a.
Standard Features
Credit Limit: £50,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • You have an income over £25,000 p.a

NatWest Platinum

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Introductory Offer
Balance Transfer Rate: 0% p.a. for 20 mths
Balance Transfer Fee: 2.90%
Purchase Rate: 0% p.a. 6 mths
Representative APR
Purchases: 17.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 17.9% p.a.
Cash Advance: 24.9% p.a.
Standard Features
Credit Limit: £25,000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You have an existing NatWest Current A/C
  • You are at least 18 Years of Age
  • You have a Good Credit History
  • You are a permanent resident/citizen of the UK
  • You earn over £10,000 per year

Gold & Platinum Credit Cards Explained

 

What are gold and platinum credit cards?

Gold and Platinum credit cards are the very best of premium credit card usage, providing smart credit card users with a variety of benefits usually not available to lower end credit card holders.

Some people associate Silver, Gold and Platinum credit cards with wealth, providing the holder with a certain prestigious image. The reality nowadays is that most people with a good credit rating can qualify for either of these cards, with the required minimum income ranging from £10,000+, some stating that any income is considered.

What features are available with these gold and platinum credit cards?

Many of these cards offer excellent Introductory bonuses, such as 0% on balance transfers for 14 months with a 2.9% transfer fee and 0% on purchases for 3 months.

Gold and Platinum credit cards tend to offer more generous credit limits, as well as a range of loyalty schemes such as rewards, points, cashback against each purchase and discounts at selected retailers.

Who can apply for one of a gold or platinum credit card?

The majority of these cards require good credit history, with an income of at least £20,000. However, some gold and platinum credit cards only require you to be over the age of 18, have a good credit history and a permanent residence in the UK.

See our range of best Gold & Platinum Credit Cards above.
 

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