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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.

Kyle Morgan

Updated Apr 27, 2020

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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 Rates & Fees	The Platinum Card® from American Express Rates & Fees
finder.com's rating
finder.com's 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	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 directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
Purchase APR
Purchase APR	16.99% to 23.99% variable	See rates & fees
Annual fee
Annual fee	$495	$550
Balance transfer APR
Balance transfer APR	16.99% to 23.99% variable	See rates & fees
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	670	670
Card type
Card type	Credit	Other
Learn more
Learn more		Read review

Summary of card features

Citi Prestige® Credit Card

Signup bonus. 50,000 bonus points after spending $4,000 in the first 3 months of account opening.
Reward points. 5x points on air travel and restaurants, 3x points on hotels and cruises and 1x points on all other purchases.
Complimentary fourth night. Book four consecutive nights at a hotel through ThankYou.com and get a complimentary fourth night stay twice every year.
Annual travel credit. Get up to $250 travel credit every calendar year.
VIP lounge access. Priority Pass Select lounge access to hundreds of VIP lounges.

The Platinum Card® from American Express

Membership reward points. Earn 5x points on flights and prepaid hotels booked directly through Amex Travel. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
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 10% back. On all other eligible purchases, you'll earn 1x points.
Welcome offer. Get 75,000 membership rewards points after you spend $5,000 on purchases in the first 6 months of card membership. You'll also earn 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases for the first 6 months. These two welcome offers combined can earn you up to $4,500 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.

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

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Name	Welcome offer	Rewards	Annual fee
American Express® Gold Card	60,000 points after spending $4,000 in the first 3 months	3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)	$250	Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card	60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95	Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.	Apply now 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 directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).	$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. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Reserve®	50,000 points after spending $4,000 in the first 3 months	10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases	$550	Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.	Apply now View details	Compare	loading Fetching your data...
Marriott Bonvoy Brilliant™ American Express® Card	100,000 points after spending $5,000 in the first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021)	6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases	$450	Earn 100,000 bonus points when you spend $5,000 or more within your first 3 months, plus earn 25,000 after the first anniversary of card membership (offer expires 1/13/2021). Rates & fees	Apply now View details	Compare	loading Fetching your data...
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 5% back on purchases made through the Chase Travel Portal, making this a strong travel card as well as a solid everyday rewards card.	Apply now View details	Compare	loading Fetching your data...
Citi Premier® Card	60,000 points after spending $4,000 in the first 3 months	3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else	$95	Earn 60,000 bonus points after making $4,000 in purchases with your card within the first 3 months of account opening.	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Black Card™	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.	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Gold American Express Card	35,000 miles after spending $1,000 in the first 3 months	2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases	$0 intro annual fee for the first year ($99 thereafter)	With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Hilton Honors American Express Card	80,000 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	With a massive welcome offer for a no-annual-fee card and up to 7x points at Hilton, this is a solid pick for Hilton fans and occasional travelers. Rates & fees	Apply now View details	Compare	loading Fetching your data...
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	Now earning 5% on Chase Travel Portal purchases, this card has become a worthy travel card pick. Also get up to 5% on other everyday purchases.	Apply now View details	Compare	loading Fetching your data...
Grand Reserve™ World Mastercard®	50,000 points after spending $3,000 in the first 90 days	5x points at Grand Reserve Partners, 3x points at any winery, wine club, wine shop, restaurant or bar and 2x everywhere else. Plus an additional 2x points at the wine merchant you spend the most each month.	$149	Earn 5x points at Grand Reserve Partners, 3x points at any winery, wine club, or wine shop, and 2x everywhere else.	Apply now View details	Compare	loading Fetching your data...
The World of Hyatt Credit Card	25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months	4x total points at Hyatt hotels as a World of Hyatt member, 2x on gyms, commuting, dining and airlines and 1x on all other purchases	$95	Earn 25,000 points after spending $3,000 on purchases in the first 3 months. 25,000 points after spending another $6,000 in the first 6 months.	See offer View details	Compare	loading Fetching your data...
Hilton Honors American Express Surpass® Card	130,000 points after spending $2,000 in the first 3 months	12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases	$95	With a big welcome offer worth up to $650, up to 12x points on spending, and free Gold status, this is an upgrade from the entry Hilton card. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Delta SkyMiles® Blue American Express Card	10,000 miles after spending $500 in the first 3 months	2x miles at restaurants and on direct Delta purchases and 1x miles on all other purchases	$0	Earn 2x miles on Delta purchases and dining with this simple, entry-level Delta card, and pay no annual fee. Rates & fees	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Titanium Card™	N/A	1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back	$195	Enjoy unique excursions, privileged access to exclusive events and insider opportunities.	Apply now View details	Compare	loading Fetching your data...
Costco Anywhere Visa® Card by Citi	N/A	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	$0	Get 3% back on your travel and dining purchases with no foreign transaction fees and use the card for your Costco membership.	Apply now View details	Compare	loading Fetching your data...
Luxury Card Mastercard® Gold Card™	N/A	1x points on all purchases with 2% point value when you redeem for airfare or cash back	$995	Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.	Apply now View details	Compare	loading Fetching your data...

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Credit cards guide

See rates and fees for The Platinum Card® from American Express

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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