The Platinum Card® from American Express vs Citi Prestige

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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.

	The Platinum Card® from American Express	Citi Prestige® Card
	Personal Charge Card	Personal Credit Card
	Card Interest Rates & Fees
Purchase APR	N/A	18.49% to 25.49%* (Variable) based on your creditworthiness and other factors
Balance Transfers APR	N/A	See Issuer's Website
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$550 annual fee	$495 annual fee
	Terms Apply. See Rates & Fees
	Card Rewards & Benefits
Introductory Bonus Offer	Earn 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 Rewards	Travel Rewards
Airline Rewards	5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.	Earn 5x points on air travel
Hotel Rewards	5X Membership Rewards points on prepaid hotels booked on amextravel.com.	Earn 3x points on hotels
Point Rewards	Earn 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 Status	Enroll 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 ThankYou.com. Note: Beginning 9/1/2019, this benefit will be capped at 2 times, each year.
Dining Rewards		Earn 5x points at restaurants
Airline Transfer Partners	Airline 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 & Cons	Pros: Travel benefits 60,000 bonus points after you spend $5000 in first 3 months Concierge service Cons: $550 annual fee
Bottom Line	Excellent charge card for frequent travelers... Read full review
What Others View		Chase Sapphire Reserve Chase Sapphire Preferred
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.

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Congratulations you, the frequent traveler, on graduating to the next level of travel rewards cards. Since airports have basically become your second home, you've decided to get the most out of them by joining the elite club of premium cardholders. These cards promise plenty of perks, as long as you're willing to pay hundreds of dollars a year in annual fees. Yes, being a premium cardholder will cost you, but if you pick the right card, then the benefits will be worth it.

Compare American Express Platinum to:

American Express® Gold Card Terms Apply | Read Review | See Rates & Fees Annual Fee $250

Chase Sapphire Preferred® Card Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A 17.49% - 24.49% Variable Annual Fee $95

The Business Platinum® Card from American Express Terms Apply | Read Review | See Rates & Fees Annual Fee $595

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Compare Citi Prestige to:

Chase Sapphire Reserve® Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 18.49% - 25.49% Variable $450

Related: Point Rewards Cards