First of all, the rate on th Diamond Visa can vary. Mine is 30.25%, and at that rate I would never carry much of a balance. My mail offer for the Visa Gold said 28.25% for Gold, 30.25% for Diamond, and 35.25% for Classic. Now I check out their website (aspirecard.com) and find rates for the Diamond card that vary from 18.25% to 28.25%. Someone had posted that before, and I thought it was outdated information. Now I realize it's the latest information. Not only that, but I can only find the Diamond rate on their website. So I conclude: (1) Aspire, like Capital One, jacks up the prices for preapproved mail offers. You pay a little more, but are somewhat more likely to be approved than if you apply cold over the Internet. (2) The Gold and Platinum Visas aren't available over the Internet at all. The Gold appears to be offered by mail to holders of the Diamond Visa. The Platinum may be offered by mail to holders of the Diamond or Gold Visas, or it may be window dressing for a bait-and-switch operation, and never offered at all. I don't know if it's even worth having. If anyone's interested, I have a firm position about the Aspire Diamond Visa: Other subprime cards, like Capital One and Providian, are better for building a credit record. As soon as you have a few prime cards, they are no longer necessary. Aspire is good for emergency credit while you're building a credit record. No one should ever carry a balance for more than a few months on a subprime card. Long-term balances should be carried only on prime cards, and preferably not at all. As soon as you have all the prime credit you could ever want, in amounts as large as you could ever want, then you are no longer building credit. Until then, Aspire is a good source of short-term or emergency credit, since it doesn't affect your reported ratios.