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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.

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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

Citi Prestige® Credit Card

Rates & Fees

The Platinum Card® from American Express

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

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
Purchase APR

16.99% to 23.99% variable

Annual fee
Annual fee $495 $550
Balance transfer APR
Balance transfer APR 16.99% to 23.99% 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 $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

Summary of card features

Citi Prestige® Credit Card

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

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.

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
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
This popular travel card's signup bonus is worth up to $1,000. Get even more value out of your travel, dining, and Lyft rewards by transferring them to miles.
American Express® Gold Card
35,000 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 4x points at restaurants worldwide. Rates & fees
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
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Hilton Honors American Express Card
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
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.
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