AMEX Platinum Credit Card – A Blend of Luxury and Convenience

Your AMEX Platinum Credit Card automatically enrolls you to the Membership Rewards Programme- Frequent Traveler Option. It provides you with numerous benefits like Frequent Flyer tickets and luxurious hotel accommodation across the globe. Irrespective of your shopping location, you earn two, Membership Reward points for every $1.60 charged to the card which is just the double of what the other cards offer without any insecurity as these points have no expiry date whatsoever. Other than these there are some exclusive Platinum membership privileges which you can enjoy to your heart’s content.

If your statement’s Opening Accounts Balance minus the total monthly payment is $2000 or more then you can earn 200 bonus points every month and you can pick from over 200 choice rewards including the services of Frequent Flyer Partners, Frequent Guest Partners and Hotel Partners. If you still want more, here is another coming your way. If you buy your travel tickets with your AMEX Platinum Credit Card, you get free travel accident insurance of up to $1 million. You also get exclusive Platinum Rewards with the AMEX Platinum Credit Card; hence you are spoilt for choices.

The other name for AMEX Platinum Credit Card is “SECURITY”, as American Express does not hold you responsible for any unauthorised charge on your credit card, online or offline, so you can shop with confidence and ease. What more, the Platinum Line of Credit annual fee at $70 is waived for you if you are an AMEX Platinum Credit Card member, hence you can use it without apprehensions as the Platinum Line of Credit raises your credit limit to up to two times of your monthly income with a guaranteed rate of 12% per annum and it is also accompanied by a personalized cheque book to make the proceedings easier for you, though it is all subject to approval.

Protecting the outstanding balance on your credit card is quite simple at $0.35 for an outstanding balance of $100. Depending on when you purchase, when your statement is issued and whether you are carrying forward a balance on your account from the previous statement period you can enjoy the benefits of up to 51 interest-free days on the purchases with your AMEX Platinum Credit Card. You can pay the bill in full or over a period of time. You can also enjoy amazing savings on interest charges when you transfer your balance from another credit card to AMEX Platinum Business Credit Card, though there is no interest-free period for cash advances and balance transfers.

The AMEX Platinum Credit Card not only looks after you but your loved ones as well as two of them can enjoy the privileges of Platinum Credit Card membership if you give a fee-free Supplementary Card worth $150 each to them. There is assistance everywhere should you require them and if your Platinum Credit Card is lost, damaged or stolen it can be replaced within one business day in case of emergency and that too anywhere in the world.

With no annual fee, an intro period of 12 months, 0% intro APR for purchases and an option to enroll in fee-free rewards program, the AMEX Platinum Business Credit Card is a golden opportunity.

Advanta Platinum Business Credit Card – A Single Account To Handle All Your Business Credit Needs

The Advanta Platinum Business Card is designed for you if you are a business owner looking to consolidate business expenses onto one credit card account. You don’t have to pay any annual fee and the introductory APR is set at 0% on purchases and balance transfers for the first 12 months. After the expiry of the introductory APR, the APR for purchases and balance transfers is 14.24% variable which is Prime plus 5.99%. The APR is calculated on the maximum Prime Rate during a 90 day period. The APR for cash advances will vary according to your credit history and will be 5.99% or 11.74% + Prime Rate.

Through the reward program, you earn one point for every dollar spent on all purchases made with the Advanta Platinum Business Card and these points can be redeemed for various travel rewards or pre-paid bonus cards. Though there is no yearly limits to the number of points that you can earn yet the points expire in three years. If you prefer cash rebates instead of travel rewards, there is a rebate program available for you that gives cash back for purchases. Whether you choose the rebate program or cash back one, both are free. Many common Platinum Business features are found with this card, including auto rental insurance, extended warranty coverage, itemized expense reports and online account access. You can also take advantage of the discounts that are offered on various products and services from participating retailers and merchants.

With the Advanta Platinum Business Card you get a grace period of 20days and an exceptional business credit line of up to $50000, you also get $0 dollar fraud liability making life easy for you. If you are late in paying the bill you have to pay a late fee of $19 if your balance is less than $250 and if it is $250 or more then you have to pay $39 as the late fee. The over limit fee of the Advanta Platinum Business Card is $15 on balances under $501 and $29 if the balance crosses the $501 mark. The cash advance fee is set at 3%, a minimum of $5 and for convenience checks a maximum of $50. the same is set as the balance transfer fee as it is with the introductory offer.

To apply for the Advanta Platinum Business Card you only require very good credit and you can enjoy special savings on business products and services like discounts of up to 25% or more through the preferred arrangements with companies like Penny-Wise Office Products, IBM, Palo Alto Software and Ramada Inn.

The Advanta Platinum Business Card provides you with various internet account related services as well as online statements and management reports. The online account access helps you manage your account like requesting credit line increases; adding cardholders; requesting balance transfers and updating account information. You can pay your bills online and that too is free of cost, thus you not only save you time but money as well.

You also get a personalised business design, personalised business checks and a personalised billing date; hence with the Advanta Platinum Business Card you are the boss. The Advanta Platinum Business Card is accepted at over 28 million locations worldwide and with it you can access cash instantly from any ATM displaying the MasterCard, Cirrus or Maestro logos, so now you don’t have to worry about carrying cash whenever you are on a trip, the whole world is your home. To top it all, the Advanta Platinum Business Card protects you automatically against theft and damage.

Benefits & Privileges of Platinum Credit Cards

Platinum credit cards can be issued to a particular high level or segment class which can enjoy its benefits. To have the card, you need to be an account holder to that particular bank. Underwriter checks applicant’s application, status, address proof, income & reliability. After taking consideration into all these factors the Credit Card is issued.

Banks provide platinum credit cards with different features. The card provides free accidental or travel insurance, high credit limit, interest free or grace period up to certain days, nominal charges on outstanding balance, comprehensive monthly statement, phone banking services, theft purchase protection on any purchase, flexible payment plans, anytime cash access – you can use it as ATM card to have cash.

Along with platinum credit cards, Welcome gift offers card holders to select any of the options say amouage fragrances, the most valuable perfume in the world, you can select male or female amouage perfumes. CHI spa package, there are many CHI spa massage packages out of which you can choose any one of them. Swarovski crystal which is the one of the best jewel shop where you can find crystal, you can select this as a gift. Godiva Chocolates one of the top quality chocolates, one can gift to their children, family or friends. Platinum credit card provides cash back rewards means whenever you use your card you get that little bit extra. A program tailored to make your every spend on the card, a difficult rewarding experience, get percentage(s) Cash Back Points for all spends. At the end of the year get up to additional percentages Cash Back points depending on your spends for the year.

Not only this you can get unique privileges say lifestyle management, a team of expert lifestyle managers will always strive to fulfill your every request whether the request be a ticket to an exclusive event or a limited edition gift or a booking for a hotel in the worlds most exclusive destinations. They assist in travel planning & booking which makes easy through platinum credit card. Some of the banks also offer Unique Discounts: dining discounts, unique retail offers, powerful privileges.