Citi Prestige® Credit Card vs. The Platinum Card® from American Express

Two ultimate reward cards for the frequent traveler.

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The main difference between these two cards is that the Citi Prestige® Credit Card is a credit card, while The Platinum Card® from American Express is a charge card, meaning you have to pay your balance in full every month (see rates & fees). Also, the Citi card costs less and it offers accelereted points on dining and travel, whereas the Amex card only offers accelerated points on travel.

See the other perks and benefits these cards offer in the comparison table below.

Our pick: The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
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Promoted

Citi Prestige® Credit Card

Citi Prestige® Credit Card

The Platinum Card® from American Express

The Platinum Card® from American Express

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★★★★★

3.4 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for N/A
  • Excellent travel rewards
Welcome offer
Welcome offer

50,000 points after spending $4,000 in the first 3 months

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

Rewards
Rewards

5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases

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

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

17.49% to 25.49% variable

None (Charge Card)

Annual fee
Annual fee $495 $550
Balance transfers
Balance transfers APR: 17.49% to 25.49% variable

Fee: $5 or 3% of the transaction, whichever is greater

Not a feature of a charge card
Cash advance
Cash advance

APR: 26.99% variable

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

APR: 26.99% 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 $39 Up to $39
Additional cardholder fee
Additional cardholder fee $75 $175
Interest-free period
Interest-free period 23 days None
Minimum interest
Minimum interest $0.50
Minimum credit score
Minimum credit score 670 680
Card type
Card type Credit Charge
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

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Which card should you choose?

Citi Prestige® Credit Card

Citi Prestige® Credit Card

  • VIP lounge access
  • Easy points transfer to certain airline loyalty programs
  • Up to $250 annual travel credit

The Citi Prestige® Credit Card has a solid program that rewards everyday spending: Earn 5x points on air travel and hotels, 3x points on dining and entertainment and 1x points on all other purchases. The card also comes with an unmatched benefit called Citi Price Rewind — a price match feature that reimburses you for purchases if Citi can find a lower price elsewhere within 60 days. Hotel goers also get a complimentary fourth night hotel stay when booking through ThankYou.com. You'll also get two practical features with your card — purchase protection and travel protection.

The Platinum Card® from American Express

The Platinum Card® from American Express

  • $200 airline fee credit
  • $100 credit for Global Entry or TSA PreCheck
  • $200 in credits for Uber each year

You can rack up 5x points with The Platinum Card® from American Express when you book flights and hotels directly with an airline or American Express Travel. To add to that, the card comes with a lavish welcome bonus of 60,000 points when you spend $5,000 in the first 3 months of card membership. Cardholders also have access to the American Express Global Lounge Collection — that's over 1,200 airport lounges worldwide. On top of everything else, you'll get complimentary Starwood Preferred Guest Gold status.

What’s next?

The Citi Prestige® Credit Card and The Platinum Card® from American Express can give you that VIP feeling, but is that what you want? If you’re shaking your head yes, the next move is to apply for whichever card has features aligned with your spending and lifestyle.

If neither have you jumping for joy, there are plenty of other credit cards out there. Compare the features of some other rewards credit cards below to find the perfect piece of plastic.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

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