Direct Rewards Platinum®


With the Direct Rewards® Platinum Card you benefit from everyday purchases. Earn 1 point for every dollar spent* and redeem points for rewards you choose€”including gift cards and gift certificates from your favorite merchants. Apply today!
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Good Credit Personal $0* 0.00% for 9 Months N/A* 14.99%* Other

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Important Notice: This Direct Merchants Bank credit card is no longer available, or we are no longer authorized by the bank to provide information about this card. We are displaying limited archived data. Some information may be incomplete, inaccurate or missing. We apologize for the inconvenience. Here are some of the most popular cards on Finance Globe:



Direct Rewards Platinum® Quick Summary:
This rewards card is issued by Direct Merchants Bank and offers unique rewards not listed in our current rewards categories. This card is intended for consumers, or "personal use" with a good to perfect credit history. Rates may vary among applicants, however the lowest standard APR is 14.99%* (Variable)*.

Important Rates:
There is a introductory balance transfer offer APR of 0.00% for 9 Months*. There is no annual fee for this card.*

Rewards:
This is a rewards card that offers unique rewards. Due to this card's diversity, the rewards are not categorized specifically in Finance Globe's rewards sections.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 701 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Direct Merchants Bank product.

Other Basics:
The grace period listed for the Direct Rewards Platinum® is at least 20 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.



Rewards and Benefits:
  • Earn rewards for everyday purchases
  • 0% APR on balance transfers for 9 months
  • 24/7 Online Account Management
  • No liability for unauthorized use
  • No annual fee


Approval Rate:
There were 13 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 77% of those applicants were approved.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 701, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 97% of 34 users recommend this card.
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