 TITLE: What Is a Platinum Credit Card? CONTENT: How Does a Platinum Credit Card Work?\n-------------------------------------\nPlatinum credit cards may have a variety of rewards or other benefits—or none at all. If a platinum card you're interested in offers a high level of cardholder perks, your credit likely needs to be in decent shape before you can qualify.\nWhen your credit is poor, you may not be able to qualify for the credit card in question and may have to explore other options. Secured cards, for example, help you build credit, but they require a deposit and have a low credit limit, and there are usually no rewards or benefits.\nThose whose credit is in better shape may be able to qualify for a higher-tier credit card. The credit score minimum and other borrowing criteria vary from lender to lender, but certain credit cards may offer lower interest rates, higher credit limits and more cardholder benefits than cards that may be easier to be approved for. END