{"id":5365,"date":"2022-06-29T11:02:24","date_gmt":"2022-06-29T11:02:24","guid":{"rendered":"https:\/\/www.top5credits.com\/se\/?p=5365"},"modified":"2023-06-04T22:02:29","modified_gmt":"2023-06-04T22:02:29","slug":"guld-platinum-eller-ett-svart-kreditkort","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/se\/finansiering\/kreditkort\/guld-platinum-eller-ett-svart-kreditkort\/","title":{"rendered":"Guld, Platinum eller ett Svart kreditkort, vad \u00e4r skillnaderna?"},"content":{"rendered":"\n

Det kan vara ganska f\u00f6rvirrande n\u00e4r man v\u00e4l b\u00f6rjar leta efter ett kreditkort som passar en sj\u00e4lv b\u00e4st. Det finns inte bara m\u00e4ngder av aktiva leverant\u00f6rer (t\u00e4nk bara p\u00e5 VISA, Mastercard, AmEx,…), men l\u00e4gg \u00e4ven till att varje leverant\u00f6r har ett brett utbud av kreditkort i sina portf\u00f6ljer. Det finns dom klassiska korten, dom guldiga korten, platinum korten och sedan dom svarta korten.<\/p>\n\n\n\n

Men vad ska dessa olika typer av f\u00e4rger betyda? Vad \u00e4r skillnaden?<\/h2>\n\n\n\n

Suddig skillnad<\/h3>\n\n\n\n

F\u00f6r n\u00e5gra \u00e5r sedan, var det ganska enkelt att svara p\u00e5 denna fr\u00e5gan. Trots allt, s\u00e5 fanns det en stark hierarki n\u00e4r det kom till kreditkort. P\u00e5 toppen av pyramiden fanns Platinum kortet som t\u00e4tt f\u00f6ljdes utav Guld och tillslut standard korten. Idag har gr\u00e4nserna mellan korten dock blivit ganska suddiga och skillnaderna i exklusivitet och bel\u00f6ning blivit allt mindre tydliga. Trots allt detta, kan vi fortfarande l\u00e4gga m\u00e4rke till generella trender.<\/p>\n\n\n\n

Guld kreditkort<\/h3>\n\n\n\n

Ett Guld Kreditkort \u00e4r i mitten av dom mer prestigefulla kreditkorten och standardkorten. Detta betyder att de \u00e5rliga kostnaderna blir allt h\u00f6gre med ett Guldkort och det kr\u00e4vs oftast en viss inkomst f\u00f6r att ens kunna ans\u00f6ka om det. \u00c5 andra sidan ing\u00e5r generellt en resef\u00f6rs\u00e4kring, gr\u00e4nserna \u00e4r h\u00f6gre och bel\u00f6ningarna \u00e4r mer tilltalande. Exakt vad bel\u00f6ningarna \u00e4r och om det \u00e4r v\u00e4rt det, \u00e4r upp till den ans\u00f6kande.<\/p>\n\n\n\n

Platinum kreditkort<\/h3>\n\n\n\n

Det finns egentligen ingen klar definition f\u00f6r vad ett Platinum kreditkort egentligen \u00e4r. Dock s\u00e5 \u00e4r det generellt karakt\u00e4ristiskt utav dessa kreditkort att vara ganska entydiga. Till exempel s\u00e5 \u00e4r n\u00e4stan alltid Platinum kortet det mest exklusiva och det dyraste kortet hos leverant\u00f6ren (om nu inte ett Svart kort erbjuds). Platinum korten kommer generellt med ett glasklart bel\u00f6ningssystem och en imponerande lista av f\u00f6rm\u00e5ner, om du nu \u00e4r en person som uppskattar mer helt\u00e4ckande resef\u00f6rs\u00e4kring och mycket h\u00f6gre kreditgr\u00e4nser. \u00c5 andra sidan s\u00e5 \u00e4r r\u00e4ntesatserna ganska h\u00f6ga och den \u00e5rliga kostnaden \u00e4r inte heller s\u00e5 liten. Men, Platinum korten har ett klart inkomstkrav som inte alla m\u00f6ter upp till.<\/p>\n\n\n\n

\u00bb L\u00e4s mer: <\/strong>Hoppa in i den djupg\u00e5ende guiden om Kreditkortavgifter.<\/a><\/p>\n\n\n\n

Svart kreditkort<\/h3>\n\n\n\n

Det \u00e4r inte alla som erbjuder ett Svart kreditkort men n\u00e4r dom v\u00e4l g\u00f6r det kan du vara s\u00e4ker p\u00e5 att det \u00e4r det mest exklusiva, pretenti\u00f6sa och det dyraste kortet leverant\u00f6ren har. I praktiken s\u00e5 erbjuder ett Svart kort det som Guld och Platinum korten har fast i plural, men du f\u00e5r \u00e4ven f\u00f6rv\u00e4nta dig kostnader i plural. Med ett Svart kort, till exempel, s\u00e5 har du exklusiv tillg\u00e5ng till klubbar, tillst\u00e4llningar, sportevent och \u00e4ven direkt concierge-service. Men, den \u00e5rliga kostnaden stiger proportionellt. Det kan l\u00e4tt kosta n\u00e5gra hundra kronor f\u00f6r privilegiet att \u00e4ga ett. Gr\u00e4nserna \u00e4r dock n\u00e4stan o\u00e4ndliga och besparings programmen \u00e4r o\u00f6vertr\u00e4ffande.<\/p>\n","protected":false},"excerpt":{"rendered":"

Det kan vara ganska f\u00f6rvirrande n\u00e4r man v\u00e4l b\u00f6rjar leta efter ett kreditkort som passar en sj\u00e4lv b\u00e4st. Det finns inte bara m\u00e4ngder av aktiva<\/p>\n

Forts\u00e4tt l\u00e4sa Guld, Platinum eller ett Svart kreditkort, vad \u00e4r skillnaderna?<\/span><\/p>\n","protected":false},"author":22,"featured_media":5396,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-artikkeli.php","format":"standard","meta":{"footnotes":""},"categories":[70],"tags":[],"class_list":["post-5365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kreditkort","entry"],"yoast_head":"\nGuld, Platinum eller ett Svart kreditkort, vad \u00e4r skillnaderna? - Top5Credits<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.top5credits.com\/se\/finansiering\/kreditkort\/guld-platinum-eller-ett-svart-kreditkort\/\" \/>\n<meta property=\"og:locale\" content=\"sv_SE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guld, Platinum eller ett Svart kreditkort, vad \u00e4r skillnaderna? - Top5Credits\" \/>\n<meta property=\"og:description\" content=\"Det kan vara ganska f\u00f6rvirrande n\u00e4r man v\u00e4l b\u00f6rjar leta efter ett kreditkort som passar en sj\u00e4lv b\u00e4st. 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