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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.

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The Platinum Card® from American Express

Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard®

 Personal Charge CardPersonal Credit Card
Introductory Bonus Reward PointsTravel RewardsAirline RewardsPoint RewardsNo Pre-Set Spending Limit
Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsNo Expiration on RewardsNo Limits on Rewards

Card Interest Rates & Fees

Purchase APRN/A14.24% to 22.24%* (Variable) based on your creditworthiness and other factors
Balance Transfers APRN/AN/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 PointsIntroductory 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 RewardsTravel Rewards 
Airline RewardsAirline 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 RewardsPoint Rewards: Earn 1 point for virtually every dollar spent. 
Airline StatusAirline 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 StatusHotel 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 PartnersAirline 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 & ConsPros:
  • Travel benefits
  • 40,000 bonus points after you spend $3000 in first 3 months
  • Concierge service
  • $450 annual fee
  • Bonus miles offer
  • First eligible checked bag is free
  • Group 1 boarding
  • $95 annual fee
Bottom LineExcellent charge card for frequent travelers... Read full reviewExcellent airline credit card for frequent American Airlines travelers... Read full review
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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.

    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

    Explore Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard® In-Depth

    Which Do You Think is Best?

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    Compare American Express Platinum to:

    Premier Rewards Gold Card

    Premier Rewards Gold Card from American Express

    Introductory Bonus Reward PointsAirline RewardsPoint RewardsGas Rewards
      Annual Fee
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      Chase Sapphire Preferred

      Chase Sapphire Preferred® Card

        Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
        16.24% - 23.24% Variable
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        American Express Enhanced Business Platinum

        The Enhanced Business Platinum® Card from American Express OPEN

        Introductory Bonus Reward PointsTravel RewardsAirline RewardsPoint Rewards
          Annual Fee

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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.