The Platinum is a personal credit card from Platinum. The annual fee is No annual fee*. The ongoing APR is between 13.49% and 21.49% after a 0% introductory APR for the first 12 billing cycles* introductory rate for 12 months. Signup bonus: Earn 20,000 bonus points when you spend $2,000 in the first 90 days. Rewards: 0% introductory APR for the first 12 billing cycles* After that, your rate will be based on your creditworthiness (between 13.49% and 21.49%) and will vary based on the prime rate (up to 24.99%).. Typical credit limit: $300 to $5,000.