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While platinum cards do offer exclusive extras, gold cards can often match them in terms of rewards.

Visa Gold from Hughes Federal Credit Union offers higher credit limits than for Visa Classic and such services as common carrier traveler's insurance up to $500,000, extended warranties, emergency cash, ticket replacement and translation services.

As of the time of publication, the Visa Platinum card offered by U. Bank offers 0 percent introductory annual percentage rate, automatic car rental insurance and a free Experian credit report for Internet banking customers, on top of fraud protection and zero liability.

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Master Card boasts a Gold Master Card and a Platinum Master Card with different bundles of goodies.

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