Do you have to rich to have a platinum card?

You don't necessarily need to be wealthy to obtain a platinum card, but most issuers require a good to Excellent credit score, along with a stable income, to qualify. Additionally, many platinum cards come with high annual fees and exclusive benefits, which may appeal more to individuals with higher disposable incomes. Ultimately, while wealth can make it easier to obtain and maintain a platinum card, it is not the only criterion.