The color of a credit card has absolutely no difference in the way it affects your credit rating. Being offered a gold credit card or a platinum credit card is a privilege that your bank may give you for having displayed reliable and responsible credit behavior in the past.

Being a good customer to the credit company will help you on certain privileges such as gold or a platinum credit card. While these cards usually have higher credit limits, lower interest rate and offer additional privileges such as airline miles, cash rewards, incentives, cashback offers, 0% fuel surcharge and better customer service the effect on your credit report and credit score will be the same as when using a normal credit card.

The only difference is that having a platinum or gold credit card can make to your credit score is the enhanced credit limit. If you charge the same amount of money to a normal credit card with a lower credit limit and to a platinum credit card that has a higher credit limit your debt utilization ratio will be lower in the case of the platinum credit card owing to the higher credit limit.  In this manner a platinum credit card use which can seem more favorable to the credit score. In order to read more about how debt utilization of the balance to limit ratio works in achieving a better credit score read the previous reports.