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

Two top-tier cards with premium travel rewards and perks.

The winner: The Platinum Card® from American Express

Up to $4,500

In welcome offer value

Biggest welcome offer on the market: Valued up to $4,500
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months

Apply now Terms apply, see rates & fees

Kyle Morgan

Updated Jan 8, 2021

Fact checked

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The Citi Prestige® Credit Card has a slightly lower $495 annual fee than the Amex Platinum Card, which costs $550 a year. However, Amex’s card has higher total travel credits versus the Citi card’s. The Amex Platinum Card offers superior rewards for hotel spending, while the Citi Prestige is the far better choice for restaurant spending.

	Citi Prestige® Credit Card Terms apply, see rates & fees	The Platinum Card® from American Express Terms apply, see rates & fees
Finder rating
Finder rating	★★★★★ 3.4 / 5.0	★★★★★ 4.4 / 5.0
Best for
Best for	Travel credits and strong rewards rates	Excellent travel rewards
Welcome offer
Welcome offer	50,000 points after spending $4,000 in the first 3 months Now, through December 2021, supermarket and restaurant packages will also count towards the $250 Travel Credit	75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
Rewards
Rewards	5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases	10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases
Purchase APR
Purchase APR	16.99% to 23.99% variable	See Pay Over Time APR
Annual fee
Annual fee	$495	$550
Balance transfer APR
Balance transfer APR	16.99% to 23.99% variable	N/A
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	$75	$175
Interest-free period
Interest-free period	23 days	25 days
Minimum interest
Minimum interest	$0.50
Minimum credit score
Minimum credit score	740	670
Card type
Card type	Credit	Other
Learn more
Learn more		Read review

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

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Citi Prestige® Credit Card		50,000 points after spending $4,000 in the first 3 months Now, through December 2021, supermarket and restaurant packages will also count towards the $250 Travel Credit	5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases	$495		Earn 50,000 points after spending $4,000 in the first 3 months. All information about this card has been collected independently by Finder.	View details	Compare	loading Fetching your data...
The Platinum Card® from American Express		75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe	10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other purchases	$550		One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...

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Kyle Morgan

Kyle Morgan is a writer and editor for Finder who has worked for the USA Today network and Relix magazine, among other publications. He can be found writing about everything from the latest car loan stats to tips on saving money when traveling overseas. He lives in Asbury Park, where he loves exploring new places and sipping on hoppy beer. Oh, and he doesn't discriminate against buffalo wings — grilled or fried are just fine.

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