The best basic tests to consider when weighing one platinum card against another—to see if one is a real-deal platinum card and the other a pretender—is to measure up the major factors that go into a credit card agreement.

Card selection for best usa platinum credit card rate is maintained and reviewed by our panel editors.

My husband and I were holders of a Visa Platinum card with a fixed 5.9% interest rate.

Banks offer you a great rate for new purchases and/or balance transfers for a few months, then move that rate back up hoping you’ll let your debt ride with the higher rate.

Is the headline rate paid on all purchases, or only those after a set amount of annual spending? The Discover® Platinum Card, for example, pays just 0.