The Platinum Card® from American Express vs Citi® / AAdvantage® Platinum Select® MasterCard®
Compare Rewards, Interest Rates, Fees, and Benefits
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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.
| ||Personal Charge Card||Personal Credit Card|
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 Points||Introductory Bonus Reward Points: Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.|| |
|Airline Rewards||Airline Rewards||Airline Rewards: Earn Double AAdvantage® miles on eligible American Airlines and US Airways purchases; 1 AAdvantage® mile for every $1 spent on other purchases.|
|Hotel Rewards||Hotel Rewards|| |
|Point Rewards||Point Rewards: Earn 1 point for virtually every dollar spent.|| |
|Travel Rewards||Travel 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 Status||Airline 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 & Cons||Pros:|
- Travel benefits
- 40,000 bonus points after you spend $3000 in first 3 months
- Concierge service
- 30000 mile bonus 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|
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.
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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.
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
Is the American Express Platinum Card worth the $450 annual fee? Read this 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® 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. 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:
|Intro APR (Purchases)||Intro APR (Balance Transfer)||Regular APR|
Introductory Annual Fee of $0 the first year, then $95
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