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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 $7,000

In welcome offer value

  • Biggest welcome offer on the market: Valued up to $7,000
  • 10x points at restaurants and US Shop Small vendors on up to $25,000 combined in the first 6 months
Apply now
Terms apply, see rates & fees
Please note: Citi is an advertising partner of finder.com

The Citi Prestige® Credit Card has a slightly lower $495 annual fee than the Amex Platinum Card, which costs $695 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

Terms apply, see rates & fees

The Platinum Card® from American Express

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

100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 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 restaurants worldwide and when you Shop Small in the US on up to $25,000 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 $695
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

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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
The Platinum Card® from American Express
100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined purchases in the same timeframe
10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 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
$695

New Platinum Exclusive Offer

One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees
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