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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 card for frequent travelers. How does it compare to Citi AAdvantage, an airline card? Read our comparison chart below.

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The Platinum Card® from American Express

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

 

Credit Card Interest Rates & Fees

Purchase APRSee Pay Over Time APR20.99% to 29.99%* (Variable) based on your creditworthiness and other factors
Balance Transfers APRN/A20.99% to 29.99%* (Variable) based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$695 annual fee$99 annual fee, waived for first 12 months*
Terms Apply. See Rates & Fees 
 

Credit Card Rewards & Benefits

Introductory Bonus Airline Rewards Earn 50,000 American Airlines AAdvantage(R) bonus miles after spending $2,500 in purchases within the first 3 months of account opening
Introductory Bonus OfferEarn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. 
Travel RewardsTravel Rewards 
Airline RewardsEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.Earn 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases; 1 AAdvantage® mile for every $1 spent on other purchases.
Hotel RewardsEarn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. 
Point Rewards1 point for virtually every dollar spent. 
Airline Status$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
Complimentary access to 5 airport lounge networks including The Centurion® lounge network, The International American Express lounges, Delta Sky Club® lounges, Priority Pass™ Select, and Airspace Lounge. Enrollment required for Priority Pass Select.
Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card
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 Preferred Boarding on American Airlines domestic flights.
Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights.
Hotel Status$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
Enroll for complimentary Marriott Bonvoy Gold Elite Status.
Enroll for complimentary Hilton Honors Gold Status.
 
Gas Rewards Earn 2 AAdvantage miles for every $1 spent at gas stations
Dining Rewards Earn 2 AAdvantage miles for every $1 spent at restaurants
Airline Transfer PartnersAirline 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® Credit Card Reviews

Pros & ConsPros:
  • Travel benefits
  • 80,000 bonus points after you spend $8,000 in first 6 months
  • Concierge service
Cons:
  • $695 annual fee
Bottom LineExcellent card for frequent travelers... Read full review
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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 was obtained on May 9, 2023 from published websites and is believed to be accurate, but not guaranteed.

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


Articles on The Platinum Card® from American Express

American Express Platinum Benefits

Are the benefits of the Platinum Card® from American Express worth it? Read this in-depth guide to make the best use of the perks.

Amex Platinum Requirements

The Platinum Card® from American Express average cardholder has a great credit score. But credit requirements may not be as tough as you think. Find out how to improve your odds.

American Express Platinum Credit Score Needed

The Platinum Card® from American Express requires great credit, which usually means 720+. But some can be approved with a lower credit score. Learn what it takes to improve your approval odds.

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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 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: Many of the 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.

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