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Gold, Platinum and Premium Credit Cards

Balance Transfer Calculator

American Express

American Express® Preferred Rewards Gold Credit Card
American Express logo


p.a. variable

No fee

Annual fee

Representative Example: Representative example: When you spend £1,200 at a purchase rate of 28.1% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £160 per annum, your representative rate is 71.5% APR (variable).

American Express

Amercian Express Platinum Cashback Credit Card
American Express logo


p.a. variable


Annual fee

Representative Example: Representative example: When you spend £1,200 at a purchase rate of 28.1% (variable) p.a. with a fee of £25 per annum, your representative rate is 33.6% APR (variable).

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  • Compare Gold, Platinum and Premium Credit Cards

    Do you already have a great credit score and would like a credit card with more benefits? Gold, Platinum and Premium credit cards are for the financially savvy, but aren’t always available to everyone. This makes them rather exclusive in the world of credit cards.

    What is a premium credit card?

    With them being the most exclusive credit cards, you will often need a high income and a good credit score to even be considered. There is a price to pay for so many luxurious benefits: a high annual fee. If you are only going to use a credit card infrequently or might not be able to make the most of the benefits, you may want to consider another type of credit card instead.

    However, if you plan on using a credit card regularly throughout the year, you can definitely reap the rewards. Benefits often include air miles, travel insurance, breakdown cover, money off products and concierge services.

    What is the best premium credit card for me?

    Make sure you do your financial homework with premium credit cards: often they might not be the right choice given their high interest rates. On the other hand, if you can comfortably pay off the balance each month, a premium credit card might come in handy. Watch out for the following points:

    • Annual fee: some premium credit cards have annual fees that are hundreds of pounds, so it’s best to make sure the benefits outweigh the price
    • APR: the Annual Purchase Rate of premium credit cards can often be very high. This can lead to further debt if not managed properly, so keep a close eye on your balance
    • Credit rating: most premium credit cards will require a good credit rating to even apply. Compare credit reports to check your credit score is high enough to apply

    Unsure if a premium credit card is right for you? Check in with our moneymatcher comparison tool to make sure you are on the right lines when it comes to credit cards. It can quickly recommend credit cards for your purposes without affecting your credit score.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

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How to use Money Guru

Money Guru is a comparer of loans, credit cards, mortgages, current accounts, savings and investments, business banking and business loans. With our moneymatcher you can narrow down your search and find the right option for you.

  • Use moneymatcher to check your eligibility
  • Compare the latest products and find the best option for you
  • A huge panel of lenders and providers to choose from
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