Platinum vs Signature vs Infinite: which tier is worth it?
Higher tiers bring more benefits and higher fees. Whether they pay off depends on how often you travel.
Platinum
The entry premium tier at most banks.
Signature
Mid-tier, aimed at frequent spenders.
Infinite
Top tier with the highest income requirement.
Side by side
| Feature | Platinum | Signature | Infinite |
|---|---|---|---|
| Typical income requirement | Lower | Mid | High |
| Annual fee | Lowest | Higher | Highest |
| Lounge access | Sometimes | Usually | Usually, with guests |
| Travel insurance | Rare | Common | Standard |
| Concierge service | No | Sometimes | Yes |
| Credit limit | Moderate | Higher | Highest |
Our pick for
First credit cardPlatinum
Two or more trips a yearSignature
Frequent business travelInfinite
The verdict
Start with Platinum unless you travel several times a year. The extra benefits of Signature and Infinite only pay for themselves if you'll actually use the lounges and insurance.
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