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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 and Citi are CreditDonkey partners. We receive compensation if you apply and get approved for a card through links in our content. You support CreditDonkey by using our links. (read more)

American Express Platinum Card 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 Card 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 ExpressCiti / AAdvantage Platinum Select MasterCard
 Apply for The Platinum Card from American ExpressApply for Citi / AAdvantage Platinum Select MasterCard
 

The Platinum Card® from American Express

Citi® / AAdvantage® Platinum Select® MasterCard®

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel RewardsNo Pre-Set Spending Limit
Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsNo Expiration on RewardsNo Limits on Rewards
 
  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • Up to a $200 Airline Fee Credit Annually.
  • To receive the statement credit, you need to select a qualifying airline.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.
  • Earn 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $3,000 in purchases within the first 3 months of account opening*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*
 

Card Interest Rates & Fees

Purchase APR 13.99%, 17.99%, 21.99%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR 13.99%, 17.99%, 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 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $3,000 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 Rewards: Up to a $200 Airline Fee Credit Annually. To receive the statement credit, you need to select a qualifying airline.Airline Rewards: Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases.
Point RewardsPoint Rewards: Earn 1 point for virtually every dollar spent. 
Travel RewardsTravel Rewards 
Bonus Airline Rewards Bonus Airline Rewards: Earn a $100 American Airlines Flight Discount each year of cardmembership in which you spend $30,000 or more in purchases and renew your cardmembership.
Airline StatusAirline Status: 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: Get the first eligible bag checked free for you and up to 4 travel companions.*; Group 1 boarding and 25% savings on eligible in-flight purchases*
 Go to issuer's official application, terms, and detailsGo to issuer's official application, terms, and details
 

CreditDonkey® Card Reviews

 The Platinum Card from American ExpressCiti / AAdvantage Platinum Select MasterCard
Pros & ConsPros:
  • Travel benefits
  • 40,000 bonus points after you spend $3000 in first 3 months
  • Concierge service
Cons:
  • $450 annual fee
Pros:
  • 50000 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 ExpressApply for Citi® / AAdvantage® Platinum Select® MasterCard®
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 indicate either 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 otherwised endorsed by any card issuer.


Articles on The Platinum Card® from American Express

    American Express Platinum Card Review: Annual Fee Worth It?

    American Express Platinum Card Review

    January 13, 2012 - By David R - Reviews for American Express Platinum Card
    The American Express Platinum Card is in our opinion, one of the most prestigious rewards cards on CreditDonkey. It is also one of the most expensive cards we have reviewed, with an annual fee of $450. In exchange for the $450 annual fee, the Platinum Card offers a number of travel benefits and a rewards program.

    Editorial Note: This content is not provided by American Express. 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 American Express.


Articles on Citi® / AAdvantage® Platinum Select® MasterCard®

    Citi American Airlines AAdvantage Card Review

    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 very likely that you'll easily make up this cost and more in travel rewards you earn.

    Editorial Note: This content is not provided by Citi. 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 Citi.


Compare American Express Platinum Card to:

American Express Premier Rewards Gold Card

American Express® Premier Rewards Gold Card

Introductory Bonus Reward PointsAirline RewardsPoint RewardsTravel Rewards
    Starwood Preferred Guest Credit Card from American Express

    Starwood Preferred Guest® Credit Card from American Express

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    NoneNone
    15.24% - 19.24% variable
    Introductory Bonus Hotel RewardsAirline RewardsHotel RewardsTravel Rewards
      Chase Sapphire Preferred Card

      Chase Sapphire Preferred® Card

      Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
      N/AN/A
      15.99% (Variable)

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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.

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        *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.

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