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The Platinum Card® from American Express vs Citi® / AAdvantage® Platinum Select® MasterCard®

Compare Rewards, Interest Rates, Fees, and Benefits

American Express is a CreditDonkey partner. We receive compensation if you apply and get approved for a card through links in our content. You do not have to use our links, but you help support CreditDonkey if you do. (read more)

Amex Platinum is an excellent charge card for frequent travelers. How does it compare to Citi AAdvantage, an airline credit card? Read our comparison chart below.

Keep in mind, the Amex Platinum has a $450 annual fee, while the Citi AAdvantage has a $95 annual fee, waived for first 12 months*.

Charge Card vs Credit Card: The Platinum Card® from American Express is a charge card while Citi® / AAdvantage® Platinum Select® MasterCard® is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 

The Platinum Card® from American Express

Citi® / AAdvantage® Platinum Select® MasterCard®

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus Reward PointsAirline RewardsHotel RewardsPoint RewardsTravel Rewards
Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsNo Expiration on RewardsNo Limits on Rewards
 

Card Interest Rates & Fees

Purchase APR 13.99% to 21.99%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR 13.99% to 21.99%* (Variable) based on your creditworthiness and other factors
Annual Fee$450 annual fee$95 annual fee, waived for first 12 months*
 

Card Rewards & Benefits

Introductory Bonus Airline Rewards Introductory Bonus Airline Rewards: Earn 30,000 American Airlines AAdvantage® bonus miles after making $1,000 in purchases within the first 3 months of account opening
Introductory Bonus Reward PointsIntroductory Bonus Reward Points: Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months. 
Airline RewardsAirline RewardsAirline Rewards: Earn Double AAdvantage® miles on eligible American Airlines and US Airways purchases; 1 AAdvantage® mile for every $1 spent on other purchases.
Hotel RewardsHotel Rewards 
Point RewardsPoint Rewards: Earn 1 point for virtually every dollar spent. 
Travel RewardsTravel Rewards 
Bonus Airline Rewards Bonus Airline Rewards: Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*
Airline StatusAirline Status: Up to a $200 Airline Fee Credit Annually. To receive the statement credit, you need to select a qualifying airline.
Airport Club Access gives you access to three airport lounge networks including participating Delta Sky Club® lounges and Priority Pass(TM) Select. When you enroll in Priority Pass(TM) Select, you can access over 600 participating airport lounges worldwide - no matter what class or airline you fly.
Airline Status: Your first checked bag is free on domestic American Airlines and US Airways flights (for you and up to four companions traveling with you on the same reservation).
Enjoy boarding privileges with Group 1 on American Airlines flights (Zone 2 on US Airways-operated flights).
Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines and US Airways flights
Smart Chip Smart Chip
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Travel benefits
  • 40,000 bonus points after you spend $3000 in first 3 months
  • Concierge service
Cons:
  • $450 annual fee
Pros:
  • 30000 mile bonus offer
  • First eligible checked bag is free
  • Group 1 boarding
Cons:
  • $95 annual fee
Bottom LineExcellent charge card for frequent travelers... Read full reviewExcellent airline credit card for frequent American Airlines travelers... Read full review
 Apply for The Platinum Card® from American Express
What Others View

    See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website.

    Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details.

    Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

    Citi AAdvantage: Pricing information including interest rates, rewards, benefits and fees were obtained on July 13, 2015 from published websites and are believed to be accurate, but not guaranteed.

    Which is Better: Amex Platinum or Citi AAdvantage?

    Still need help deciding which airline card is better? Read the in-depth reviews below. You may also be interested in comparing Amex Platinum or Chase Sapphire Preferred.


    Explore The Platinum Card® from American Express In-Depth


    Explore Citi® / AAdvantage® Platinum Select® MasterCard® In-Depth

      American Airlines Boeing 767 new livery

      Citi American Airlines AAdvantage Card Review

      April 11, 2012 - By David R - Reviews for Citi AAdvantage
      If you are a frequent traveler and enjoy flying with American Airlines, the Citi AAdvantage Platinum Select MasterCard can save you money on airfare. Beyond collecting flight rewards on all your purchases, this card also offers several additional bonuses that will save you even more money on airfare. While there is an annual fee of $95, it's likely that you'll easily make up this cost and more in travel rewards you earn.

    Compare Amex Platinum to:

    American Express Premier Rewards Gold Card

    American Express® Premier Rewards Gold Card

    Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
      Annual Fee
      Introductory annual fee of $0 for the first year, then $195
      Starwood Preferred Guest Credit Card from American Express

      Starwood Preferred Guest® Credit Card from American Express

      Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel Rewards
        Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
        NoneNone
        15.24% - 19.24% variable
        Annual Fee
        $0 introductory annual fee for the first year, then $95
        Chase Sapphire Preferred Card

        Chase Sapphire Preferred® Card

          Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
          N/AN/A
          15.99% Variable
          Annual Fee
          Introductory Annual Fee of $0 the first year, then $95

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          Compare Citi AAdvantage to:

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          About CreditDonkey®
          CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

          Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

          †Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

          *See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

          CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.