Compare Gold and Platinum Credit Cards

Compare gold and platinum credit cards

Gold and platinum credit cards are no longer the preserve of a privileged few! You might find - when you compare credit cards at LowerMyBills - that there are gold and platinum cards in the results; this no longer means you've been singled out as a potential millionaire! Less mysterious and demanding than they may once have been, the gold credit card or platinum credit card does have slightly higher expectations of its customers. For instance, you'll probably need to be earning over a certain amount per year. However, this is more likely to be in the region of £20,000 or £30,000 rather than a premiership footballer-style six figure salary!

Are gold credit cards and platinum credit cards better than normal ones?

You're likely to be offered a little more in the way of fringe benefits with your prestigious gold or platinum credit card, such as a higher credit limit, the ability to access larger amounts of cash each day, discounts on other products, such as travel insurance and more. Your credit report* needs to be in good shape for you to be eligible for gold cards or platinum cards too.

You can access your own credit report online by using Experian's CreditExpert service. It's a good idea to do this before you make a credit card application online, as you'll be able to correct any out of date or inaccurate information that might otherwise result in your application being downgraded to a standard credit card product* and you'll miss out on the benefits of your gold credit card!

Lenders want to ensure the products that have the best interest rates, such as a gold credit card with a 0% balance transfer offer, or platinum credit card with a low interest rate, are made available only to creditworthy customers.

Do I have to pay extra for a gold or platinum credit card?

It's rare that there's an annual charge of any sort these days, but it's still something to look out for when you compare credit cards. Different credit card companies have different offers and interest rates coming on to the market all the time. Compare credit cards now and make sure you are aware of the best platinum cards and the best gold cards that provide maximum value and performance for you before you make an application.

How will a gold card help lower my bills?

Depending on the credit card offer, there's likely to be a good 0% balance transfer period, a 0% on purchases period, but not only that, there'll also possibly be added gold card advantages, such as generous discounts on everything from wine to car hire, that could see you making savings throughout the year.

Okay, I want to lower my bills with the help of the best gold card or best platinum card offer currently on the market. Show me how to compare credit cards now

Experian® - the company behind LowerMyBills – also provides CreditExpert, which gives you access to your credit report and score enabling you to see what lenders see about you when they make a decision about which financial products or services are available to you.

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