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American Express® Gold Card vs Citi Prestige

Compare Rewards, Interest Rates, Fees, and Benefits

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American Express Gold is a good rewards card for cardholders who fly frequently or eat out. How does it compare to Citi Prestige, a points credit card? Read our comparison chart below.

Charge Card vs Credit Card: American Express® Gold Card is a charge card while Citi Prestige® Card 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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American Express® Gold Card

Citi Prestige® Card

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus OfferAirline RewardsPoint RewardsGrocery RewardsNo Pre-Set Spending Limit
Introductory Bonus OfferAirline RewardsHotel RewardsPoint RewardsNo Expiration on Rewards
 

Card Interest Rates & Fees

Purchase APRSee Rates & Fees18.49% to 25.49%* (Variable) based on your creditworthiness and other factors
Balance Transfers APRSee Rates & FeesSee Issuer's Website
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$250 annual fee$495 annual fee
Terms Apply. See Rates & Fees 
 

Card Rewards & Benefits

Introductory Bonus OfferEarn 35,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 3 months.Earn 50,000 bonus points after spending $4,000 within 3 months of account opening.
Airline Rewards3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.Earn 5x points on air travel
Hotel Rewards Earn 3x points on hotels
Point RewardsEarn 4X Membership Rewards® points when you dine at restaurants worldwide. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.Earn 1x points on other purchases
Airline Status$100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.$250 Travel Credit each calendar year for eligible travel purchases
Complimentary Priority Pass™ Select membership.
Hotel Status Complimentary 4th Night at a hotel of your choice after a minimum 4 consecutive night booking through ThankYou.com. Note: Beginning 9/1/2019, this benefit will be capped at 2 times, each year.
Grocery Rewards4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). 
Dining Rewards4X Membership Rewards® points when you dine at restaurants worldwide.
Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
Earn 5x points 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.Airline transfer partners include Asia Miles, EVA Air (Star Alliance), Etihad Guest, Flying Blue, Garuda Indonesia (SkyTeam), Malaysia Airlines (Oneworld), Qantas, Qatar Airways (Oneworld), Singapore Airlines (Star Alliance), Thai Airways (Star Alliance), and Virgin Atlantic.
 

CreditDonkey® Card Reviews

Pros & ConsPros:
  • Welcome bonus
  • Airline fee credit
  • 3x points for flights booked directly with airlines
Cons:
  • $250 annual fee
Bottom LineGood rewards card for cardholders who fly frequently or eat out... 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 Prestige® Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Citi Prestige: Pricing information including interest rates, rewards, benefits and fees was obtained on November 6, 2019 from published websites and is believed to be accurate, but not guaranteed.

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


    Articles on American Express® Gold Card


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    Compare American Express Gold to:

    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    N/AN/A
    17.49% - 24.49% Variable
    Annual Fee
    $95
    American Express Platinum

    The Platinum Card® from American Express

    Introductory Bonus OfferTravel RewardsAirline RewardsHotel Rewards
    Annual Fee
    $550
    Blue Cash Preferred

    Blue Cash Preferred® Card from American Express

    Introductory Bonus Cash BackCash Back RewardsGas RewardsGrocery Rewards
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    0% on purchases for 12 months
    0% on balance transfers for 12 months
    14.49% - 25.49% Variable
    Annual Fee
    $95

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    Compare Citi Prestige to:

    Chase Sapphire Reserve
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    N/AN/A
    18.49% - 25.49% Variable
    $550

    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 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.