American Express Platinum vs Citi AAdvantage
Compare Rewards, Interest Rates, Fees, and Benefits
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American Express 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 American Express 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® World Elite™ MasterCard® is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.
| ||Personal Charge Card||Personal Credit Card|
Card Interest Rates & Fees
|Purchase APR||N/A||14.24% to 22.24%* (Variable) based on your creditworthiness and other factors|
|Balance Transfers APR||N/A||N/A|
|Annual Fee||$450 annual fee||$95 annual fee, waived for first 12 months*|
|See Rates & Fees|| |
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 Points||Introductory Bonus Reward Points: Earn 40,000 Membership Rewards® points after you use your new Card to make $3,000 in purchases in your first 3 months.|| |
|Travel Rewards||Travel Rewards|| |
|Airline Rewards||Airline Rewards: Earn 5X points for flights booked directly with airlines or with American Express Travel.||Airline Rewards: Earn Double AAdvantage® miles on eligible American Airlines purchases; 1 AAdvantage® mile for every $1 spent on other purchases.|
|Bonus Airline Rewards|| ||Bonus Airline Rewards: Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*|
|Point Rewards||Point Rewards: Earn 1 point for virtually every dollar spent.|| |
|Airline Status||Airline Status: $200 Airline Fee Credit, up to $200 a year for baggage fees and more at one airline. Terms Apply.|
Access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass(TM) Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
|Airline Status: Your first checked bag is free on domestic American Airlines itineraries (for you and up to four companions traveling with you on the same reservation).|
Enjoy Group 1 Boarding on American Airlines flights.
Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights.
|Hotel Status||Hotel Status: Enroll in complimentary SPG Gold Status (Starwood Preferred Guest Gold Preferred Guest).|
Enroll to enjoy the benefits of complimentary Hilton HHonors(TM) Gold Status.
Fine Hotels & Resorts - book your stay through American Express FHR at one of 600 luxury hotels and you may get a room upgrade upon arrival, daily continental breakfast for 2, guaranteed 4pm late checkout and a special amenity unique to each property.
|Airline Transfer Partners||Airline Transfer Partners: Airline transfer partners include Delta, Hawaiian Airlines, Aeromexico, Air Canada, Air France, Emirates, Cathay Pacific (Asia Miles), Virgin Atlantic, Singapore Airlines, Etihad, Alitalia, All Nippon Airways and more.|| |
CreditDonkey® Card Reviews
|Pros & Cons||Pros:|
- Travel benefits
- 40,000 bonus points after you spend $3000 in first 3 months
- Concierge service
- Bonus miles offer
- First eligible checked bag is free
- Group 1 boarding
|Bottom Line||Excellent charge card for frequent travelers... Read full review||Excellent airline credit card for frequent American Airlines travelers... Read full review|
|What Others View|
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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.
Disclaimer: The information for the Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
Citi AAdvantage: Pricing information including interest rates, rewards, benefits and fees were obtained on March 1, 2016 from published websites and are believed to be accurate, but not guaranteed.
Which is Better: American Express 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 American Express Platinum or Chase Sapphire Preferred.
Explore The Platinum Card® from American Express In-Depth
Is the Platinum Card® from American Express worth the $450 annual fee? Read this in-depth review to help you decide.
There is no point paying the $450 annual fee for the American Express Platinum Card UNLESS you know the benefits are worth it. Read this in-depth guide to help you decide.
Explore Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® In-Depth
If you are a frequent traveler and enjoy flying with American Airlines, the Citi AAdvantage Platinum Select MasterCard can save you money on airfare.
Compare American Express Platinum to:
|Intro APR (Purchases)||Intro APR (Balance Transfer)||Regular APR|
16.24% - 23.24% Variable
Introductory Annual Fee of $0 the first year, then $95
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