Platinum credit card are usually offered to people who can be commended for keeping their accounts well in order. Beside that each company that issues platinum cards has different standards and features for their platinum cards and labelling the card as “platinum” is just a mean to differentiate it for the other offers.

If you are thinking about applying for a platinum credit card here are a few things you need to keep in mind:

• Platinum card is only one of the offers
  Financial institutions that issue credit cards have many different products. Each of them allows you to make purchases on credit, but they each have different features (low interest rate, no annual fee, discounts for purchases, reward points etc). Some credit card company may also offer more than one platinum card, the common characteristic is that the platinum card is loaded with features for their best customers.
• General Platinum characteristics
  In general, a platinum credit card has a high spending limit, low interest rates and special features that are designed to make it attractive to those who use it often. Those features may include cash back, special rewards, airline miles, car insurance, travel emergency services, extended warranties etc. Sometimes they have an annual membership fee you must pay in order to keep your card, but not always.
• Platinum is only good for you if you use the services
  In other words, even though these types of cards often require impeccable credit, don’t automatically assume that a platinum credit card is the best card for you. If you’re carrying balances on other cards for instance, you may do better with a balance transfer card that offers 0% interest rates for balance transfers. You may find that an option that offers a discount on petrol prices is the best choice for you if you travel a lot, or a card that give you air miles if you enjoy flying for pleasure.
  If you still think that a platinum card is good for you here is a list of the possible offers

  Advanta Life-of-Balance Platinum Card	APR 9.99%	No Annual Fee
  Chase Platinum MasterCard®	APR 14.24%	No Annual Fee
  Hilton HHonors® Platinum Credit Card	APR 18.24%	No Annual Fee
  Chase Flexible Rewards Platinum Visa® Card	APR 14.24%	No Annual Fee
  Discover® Platinum Card	APR 10.99%	No Annual Fee