Citi Prestige vs The Platinum Card® from American Express

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Citi Prestige is a points credit card. How does it compare to American Express Platinum, a travel and airline charge card? Read our comparison chart below.

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

	Citi Prestige® Card	The Platinum Card® from American Express
	Personal Credit Card	Personal Charge Card
	Card Interest Rates & Fees
Purchase APR	18.74% to 25.74%* (Variable) based on your creditworthiness and other factors	N/A
Balance Transfers APR	See Issuer's Website	N/A
Foreign Transaction Fee	No foreign transaction fee	No foreign transaction fee
Annual Fee	$495 annual fee	$550 annual fee
		Terms Apply. See Rates & Fees
	Card Rewards & Benefits
Introductory Bonus Offer	Earn 50,000 bonus points after spending $4,000 within 3 months of account opening.	Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
Travel Rewards		Travel Rewards
Airline Rewards	Earn 5x points on air travel	5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
Hotel Rewards	Earn 3x points on hotels	5X Membership Rewards points on prepaid hotels booked on amextravel.com.
Point Rewards	Earn 1x points on other purchases	Earn 1 point for virtually every dollar spent.
Airline Status	$250 Travel Credit each calendar year for eligible travel purchases Complimentary Priority Pass™ Select membership.	$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 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.	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.
Dining Rewards	Earn 5x points at restaurants
Airline Transfer Partners	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.	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.
	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 September 25, 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 Citi Prestige to:

Chase Sapphire Reserve® Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 18.99% - 25.99% Variable $450

Chase Sapphire Preferred® Card Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 17.99% - 24.99% Variable $95

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Compare American Express Platinum to:

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

Delta Reserve® Credit Card from American Express Terms Apply | See Rates & Fees Intro APR (Purchases) Intro APR (Balance Transfer) Regular APR N/A N/A 17.49% - 26.49% Variable Annual Fee $450 ($550 if application is received on or after 1/30/2020)

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

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