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The Platinum Card® from American Express vs Citi Prestige

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 Prestige, a points credit card? Read our comparison chart below.

Charge Card vs Credit Card: The Platinum Card® from American Express 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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The Platinum Card® from American Express

Citi Prestige® Card

 Personal Charge CardPersonal Credit Card
Introductory Bonus OfferTravel RewardsAirline RewardsHotel RewardsPoint Rewards
Introductory Bonus OfferAirline RewardsHotel RewardsPoint RewardsNo Expiration on Rewards

Card Interest Rates & Fees

Purchase APRN/A18.74% to 25.74%* (Variable) based on your creditworthiness and other factors
Balance Transfers APRN/ASee Issuer's Website
Foreign Transaction FeeNo foreign transaction feeNo foreign transaction fee
Annual Fee$550 annual fee$495 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.Earn 50,000 bonus points after spending $4,000 within 3 months of account opening.
Travel RewardsTravel Rewards 
Airline Rewards5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.Earn 5x points on air travel
Hotel Rewards5X Membership Rewards points on prepaid hotels booked on 3x points on hotels
Point RewardsEarn 1 point for virtually every dollar spent.Earn 1x points on other purchases
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.
$250 Travel Credit each calendar year for eligible travel purchases
Complimentary Priority Pass™ Select membership.
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.
Complimentary 4th Night at a hotel of your choice after a minimum 4 consecutive night booking through Note: Beginning 9/1/2019, this benefit will be capped at 2 times, each year.
Dining Rewards 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:
  • Travel benefits
  • 60,000 bonus points after you spend $5000 in first 3 months
  • Concierge service
  • $550 annual fee
Bottom LineExcellent charge card for frequent travelers... 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 September 25, 2019 from published websites and is believed to be accurate, but not guaranteed.

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    Compare American Express Platinum to:

    American Express Gold

    American Express® Gold Card

    Introductory Bonus OfferAirline RewardsPoint RewardsGrocery Rewards
    Annual Fee
    Chase Sapphire Preferred

    Chase Sapphire Preferred® Card

    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    17.99% - 24.99% Variable
    Annual Fee
    Delta Reserve

    Delta Reserve® Credit Card from American Express

    Introductory Bonus Airline RewardsAirline RewardsBonus Airline Rewards
    Terms Apply | See Rates & Fees
    Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
    17.49% - 26.49% Variable
    Annual Fee
    $450 ($550 if application is received on or after 1/30/2020)

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    Compare Citi Prestige to:

    Chase Sapphire Reserve
    Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
    18.99% - 25.99% Variable

    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.