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The Platinum Card® from American Express vs. Costco Anywhere Visa® Card by Citi

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The Platinum Card® from American Express

The Platinum Card® from American Express

Rates & Fees

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.4 / 5.0

★★★★★

3.6 / 5.0
Best for
Best for
  • Excellent travel rewards
  • Elevated rewards on gas, travel and restaurants
Welcome offer
Welcome offer

60,000 points after spending $5,000 in your first 3 months

N/A

Rewards
Rewards

5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases

Purchase APR
Purchase APR

15.24% variable

Annual fee
Annual fee $550 $0
Balance transfer APR
Balance transfer APR

15.24% variable

Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $175 $0
Interest-free period
Interest-free period 25 days 23 days
Minimum interest
Minimum interest $0.50
Minimum credit score
Minimum credit score 670 740
Card type
Card type Other Credit
Learn more
Learn more

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Summary of card features

The Platinum Card® from American Express

The Platinum Card® from American Express

  • Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. You can use your points toward gift cards, travel rewards, statement credit and more. If you redeem these points for the highest valued rewards, you'll get 5% back. On all other eligible purchases, you'll earn 1x points.
  • Welcome offer. Get 60,000 membership rewards points after you spend $5,000 on purchases in the first 3 months of card membership. That's up to $1,200 worth of rewards when transferred to travel partners.
  • Airline fee credit. Select a qualifying airline and receive a $200 airline fee credit each year to cover incidental charges, such as checked bags or in-flight purchases.

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

  • You won't pay an annual fee to own the card.
  • Earn 4% cash back on gas for the first $7,000 spent annually, 1% after that. Earn 3% cash back on restaurants and travel, 2% cash back on purchases from Costco and Costco.com. Earn 1% cash back on everything else.
  • Use your Costco credit card to enter Costco.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $250. This heavy-hitter rewards card has uncontested value. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
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