Across and Down

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There are 14 clues with the answer 'GOLDCARD'
# CLUE
1.
Means of paying Spooner's frosty captor (4,4)
2.
Source of credit, or caution needed?
3.
American Express item that falls between the Green and Platinum levels: 2 wds.
4.
Visa offering
5.
Custom credit card
6.
Credit card
7.
Charge card
8.
Affinity card
9.
Spooner's shivering sentry? One should give him credit (4,4)
10.
Amex offering
11.
Visa program granting expedited US residency for $1 million contribution. (8)
12.
Name of proposed US permanent-residence program funded by large donations. (8)
13.
Grand old car preserved in the end with special plastic (4,4)
14.
Spooner's remote screen - it provides lounge access (4,4)