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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 card for frequent travelers. How does it compare to Citi Prestige, a points card? Read our comparison chart below.

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The Platinum Card® from American Express

Citi Prestige® Card


Credit Card Interest Rates & Fees

Purchase APRSee Pay Over Time APR16.99% to 23.99%* (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 

Credit Card Rewards & Benefits

Introductory Bonus OfferEarn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership.
Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. That's an additional 9 points on top of the 1 point you earn for these purchases.
Earn 50,000 bonus points after spending $4,000 within 3 months of account opening.
Travel RewardsTravel Rewards 
Airline RewardsEarn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year.Earn 5x points on air travel
Hotel Rewards5X Membership Rewards® Points on prepaid hotels booked on 3x points on hotels
Point Rewards1 point for virtually every dollar spent.Earn 1x points on other purchases
Airline Status$200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one qualifying airline.
Complimentary 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 Elite Status.
Enroll for complimentary Hilton Honors Gold Status.
Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties.
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® Credit Card Reviews

Pros & ConsPros:
  • Travel benefits
  • 75,000 bonus points after you spend $5000 in first 6 months
  • Concierge service
  • $550 annual fee
Bottom LineExcellent card for frequent travelers... Read full review
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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 March 20, 2020 from published websites and is believed to be accurate, but not guaranteed.

Articles on The Platinum Card® from American Express

Benefits of Amex Platinum

Are the benefits of the Platinum Card® from American Express worth it? Read this in-depth guide to make the best use of the perks.

Amex Platinum Requirements

The average The Platinum Card® from American Express cardholder has a great credit score. But credit requirements may not be as tough as you think. Find out how to improve your odds.

American Express Platinum Credit Score Needed

The Platinum Card® from American Express requires great credit, which usually means 720+. But some can be approved with a lower credit score. Learn what it takes to improve your approval odds.

Which Do You Like and Why?

Compare American Express Platinum to:

American Express Gold

American Express® Gold Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
N/AN/ASee Pay Over Time APR
Annual Fee
Chase Sapphire Preferred

Chase Sapphire Preferred® Card

Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
15.99% - 22.99% Variable
Annual Fee
Delta Reserve

Delta SkyMiles® Reserve American Express Card

Terms Apply | See Rates & Fees
Intro APR (Purchases)Intro APR (Balance Transfer)Regular APR
15.74% - 24.74% Variable
Annual Fee

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Compare Citi Prestige to:

Chase Sapphire Reserve
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
16.99% - 23.99% 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 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.

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