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The Platinum Card® from American Express vs Citi Double Cash

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 Double Cash, a cash back credit card? Read our comparison chart below.

Charge Card vs Credit Card: The Platinum Card® from American Express is a charge card while Citi® Double Cash Card is a credit card. If you plan to carry a balance, avoid charge cards as they usually require that you pay in full.

 Apply NowRead Citi Double Cash Review
 

The Platinum Card® from American Express

Citi® Double Cash Card

 Personal Charge CardPersonal Credit Card
 
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint Rewards
Cash Back Rewards
 

Card Interest Rates & Fees

Introductory APR for Balance TransfersN/A0%* introductory APR for 18 months*
Purchase APRN/A15.49% to 25.49%* (Variable) based on your creditworthiness and other factors
Balance Transfers APRN/A15.49% to 25.49%* (Variable) based on your creditworthiness and other factors
Foreign Transaction FeeNo foreign transaction fee3% of each purchase transaction in US dollars.
Annual Fee$550 annual fee$0 annual fee
Terms Apply. See Rates & Fees 
 

Card Rewards & Benefits

Introductory Bonus OfferEarn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. 
Cash Back Rewards Earn cash back twice on every purchase: 1% cash back when you buy; plus an additional 1% cash back as you pay for those purchases
Travel RewardsTravel Rewards 
Airline Rewards5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 
Hotel Rewards5X Membership Rewards points on prepaid hotels booked on amextravel.com. 
Point RewardsEarn 1 point for virtually every dollar spent. 
Airline Status$200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying 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.
 
Hotel StatusEnroll for complimentary Marriott Bonvoy Gold Status.
Enroll for complimentary Hilton Honors 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. Terms Apply.
 
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® Card Reviews

Pros & ConsPros:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
Cons:
  • $550 annual fee
Pros:
  • Earns cash back twice on purchases
  • No annual fee
  • Introductory APR for 18 months on balance transfers
Cons:
  • No signup bonus
  • Cash rewards expire after 12 months if there is no activity on the account
  • 3% foreign transaction fee
Bottom LineExcellent charge card for frequent travelers... Read full reviewGreat rewards credit card to earn cash back twice with no annual fee... Read full review
 Apply NowRead Citi Double Cash 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.

    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® Double Cash Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

    Citi Double Cash: 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.


    Articles on The Platinum Card® from American Express


    Articles on Citi® Double Cash Card


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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 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.