 TITLE: What Is a Platinum Credit Card? CONTENT: **Platinum Elite Mastercard® Secured Credit Card**: This card has more lenient credit criteria, with poor to good credit scores considered. The APR is 19.99% Variable, but you can avoid paying any interest at all by paying your balance in full by the end of your billing period. There's an annual fee of $29. This secured card reports to all three major credit bureaus, which can help you establish a positive credit history. END