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The Seven Secrets You Will Never Know About Prestige Card | prestige card

This commodity is brought to you by the Personal Finance Insider team. It has not been reviewed, approved, or contrarily accustomed by any of the issuers listed. Some of the offers you see on the folio are from our ally like Citi and American Express, but our advantage is consistently independent. Terms administer to the offers listed on this page.

Citi Prestige® Travel Rewards Credit Card - Citi.com

The Platinum Card® from American Express has continued been one of the best exceptional rewards acclaim cards available. For its part, the Citi Prestige® Agenda has added some new allowances to abide competitive. Both cards backpack aerial anniversary fees — $550  (See Rates) in the case of the Platinum Card, and $495 for the primary cardmember on the Citi Prestige® Card. However, anniversary agenda added than makes up for the amount by alms a advanced arrangement of admired benefits.

Choosing one of these cards over the added isn't easy, but the actuality that Amex afresh launched one of the best acceptable offers anytime on the Platinum Agenda ability accommodate some accuracy to your brain-teaser if you're aggravating to adjudge amid the two. 

Here are the capital elements to accede if you're aggravating to amount out whether The Platinum Card® from American Express or Citi Prestige® Agenda is a bigger rewards acclaim agenda for you.

We're focused actuality on the rewards and allowances that appear with anniversary card. These cards won't be anniversary it if you're advantageous absorption or backward fees. Aback appliance a acclaim card, it's important to pay your antithesis in abounding anniversary month, accomplish payments on time, and alone absorb what you can allow to pay.

Regular APR

Featured Reward

*(Note: New Platinum Card® cardmembers can acquire 10x credibility on acceptable purchases at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in accumulated purchases, during the aboriginal 6 months of agenda membership)

You can acquire tens of accoutrements of anniversary credibility with either card, but The Platinum Card® from American Express debuted a astounding action that assault the Citi Prestige® Agenda out of the water.

With the Platinum Card, you'll acquire 75,000 credibility afterwards you absorb at atomic $5,000 in your aboriginal 6 months of anniversary opening. New cardholders will additionally acquire 10x credibility on acceptable purchases at U.S gas stations and U.S. supermarkets, on up to $15,000 in accumulated purchases, aural the aboriginal six months of anniversary aperture (then 1x).

Altogether, that agency a absolute abeyant of 225,000 anniversary credibility if you absorb the abounding $15,000 in the 10x categories. Although it requires added spending to max out than the Citi Prestige® Card, you additionally accept six months to do it, compared to aloof three with the Citi card.

The Citi Prestige® Agenda comes with 50,000 anniversary credibility afterwards you absorb $4,000 on purchases aural the aboriginal three months of anniversary opening.

Both American Express Associates Rewards and Citi ThankYou Rewards are communicable points, which makes them actual able aback it comes time to redeem. However, the arduous aberration in earning abeyant from these bonuses — 50,000 credibility adjoin up to 225,000 credibility — puts The Platinum Card® from American Express in the lead.

Winner: The Platinum Card® from American Express


Both cards are absorbing earners. Not factoring in its accepted anterior offer, The Platinum Card® from American Express accrues 5x credibility on flights appointed either through Amex Biking or anon with airlines (this will alone be on up to $500,000 per agenda year in purchases starting in 2021, afresh 1x). It additionally earns 5x on prepaid auberge anxiety fabricated through Amex Travel, and 1x on all added purchases.

The Citi Prestige® Agenda earns anniversary rewards in a assorted arrangement of categories that should appear in accessible whether you're traveling or not. It offers 5x credibility on air biking (including tickets appointed anon with airlines, but additionally through third-party agencies like Expedia) and dining (including best aliment commitment services). The agenda additionally earns 3x credibility on hotels and cruises, and 1x on aggregate else.

The Citi Prestige® Agenda earns added credibility in added categories — it's as simple as that.

Winner: Citi Prestige® Card

Of course, the added ancillary of the rewards blueprint is how you can absolutely redeem your points, and actuality the two cards alter dramatically.

American Express Associates Rewards are amid the best able credibility out there acknowledgment to the arrangement of means you can redeem them. You can alteration Amex Associates Rewards credibility to 19 airline common flyer programs (soon to be 18 already El Al Matmid drops out in 2021) and three auberge adherence programs. Transfers are at a 1:1 arrangement with a scattering of exceptions, as acclaimed below.

Amex credibility are additionally anniversary 1 cent apiece aback you redeem them for flights through Amex Travel, and about 0.7 cents anniversary for hotels and added biking appointed through there. You alone get 0.6 cents per point for anniversary credits and by redeeming for purchases fabricated on Amazon.com.

You can alteration ThankYou Rewards to 16 Citi airline partners, including abounding of the aforementioned ones as Amex, but no auberge programs.

Citi Prestige® Agenda cardholders get a amount of 1 cent per point aback booking biking through the Citi ThankYou biking aperture or redeeming for allowance cards or adjoin apprentice loans or mortgages. There's beneath amount aback you aback banknote in credibility for added things — for example, you'll get aloof 0.5 cents per point for banknote aback and 0.8 cents for Amazon purchases.

Given the added abundant (and bigger for US-based travelers) alteration ally that Amex offers, best bodies are bigger off with Associates Rewards points.

Winner: The Platinum Card® from American Express

Both cards action anniversary credits anniversary hundreds of dollars that can advice anniversary their abrupt anniversary fees — but they are absolutely different.

The Citi Prestige® Agenda offers the added aboveboard perk: Anniversary agenda year, cardholders artlessly accept up to $250 in anniversary credits adjoin biking purchases — aggregate from airfare and auberge stays to cruises, driver transportation, and alike parking — which makes it accessible to aerate this benefit. Folks with this agenda additionally get a anniversary acclaim of up to $100 already every bristles years for either the All-around Entry or TSA PreCheck appliance fee.

Citi Prestige Card: A new credit card for unforgettable experiences.

If you're a Citi cyberbanking chump with a Citigold account, you can additionally affirmation up to $145 in anniversary credits (and $25 for anniversary accustomed cardholder on your Citi Prestige® Agenda account) afterwards advantageous the card's anniversary fee anniversary year.

By contrast, The Platinum Card® from American Express extends several altered types of anniversary anniversary credits. Aboriginal is up to $200 per agenda year in airline fee credits. Anniversary January, cardholders can accept one acceptable US airline with which to use those credits. They can be put adjoin things like arrested bags, bench assignments, inflight purchases, and more.

Platinum Agenda cardholders get up to $200 anniversary year in Uber credits — $15 anniversary ages additional an added $20 (for $35 total) in December. These credits can be activated to rides or Uber Eats orders. They additionally get up to $100 in Saks Fifth Avenue arcade credits anniversary agenda year, which is breach up into $50 for January to June and $50 for July to December.

Cardmembers additionally get up to $100 already every four years for a All-around Entry appliance fee anniversary acclaim or $85 already every 4.5 years adjoin TSA PreCheck.

Aside from the All-around Entry/TSA PreCheck perks, Platinum Agenda associates get up to $500 per year in amount from their anniversary credits, but they're a bit harder to use acknowledgment to timing constraints and the limitations of the purchases to which the airline fee acclaim applies. The Citi Prestige® Card's biking acclaim is abundant easier to use, but additionally a lot beneath money.

Winner: The Platinum Card® from American Express

Like added exceptional cards such as the Chase Sapphire Reserve®, the Citi Prestige® Agenda allows cardholders to accept in Priority Pass Select, and offers admission forth with actual ancestors associates or up to two guests at over 1,300 airport lounge locations worldwide.

The Platinum Card® from American Express cardmembers can annals for Priority Pass Select, too, but can additionally access Delta Sky Clubs aback aerial Delta, and get into Amex's own chichi Centurion Lounges forth with up to two companions, as able-bodied as a scattering of Airspace and Escape Lounges.

Winner: The Platinum Card® from American Express

The Citi Prestige® Agenda appearance one standout biking benefit: Cardholders can book up to two auberge stays per year through ThankYou.com with the fourth night free.

Depending on area you use this, it can be anniversary up to hundreds or alike accoutrements of dollars anniversary year. Unfortunately, Citi no best offers abundant in the way of biking protections, admitting its acquirement aegis adjoin accident or annexation is up to $10,000 per account and $50,000 per agenda year and will awning items up to 90 canicule afterwards purchase. 

Interestingly, the agenda does extend corpuscle buzz aegis of up to $1,000 per affirmation and $1,500 per 12-month aeon with a $50 deductible.

Amex Platinum benefits

Citi Prestige Travel Credit Card 8 Review - Should You Apply?

The Platinum Card® from American Express includes the afterward biking and acquirement protections:

The The Platinum Card® from American Express absolutely sets itself afar for travelers by alms aristocratic cachet with both Hilton and Marriott, and acceptance associates to book hotels through American Express Fine Hotels & Resorts. Amex FHR sometimes offers third- and fourth-night-free ante at affluence hotels about the world, additional anniversary credits for on-property purchases like commons or spa treatments, depending on the hotel. 

Winner: The Platinum Card® from American Express

Given both cards are primarily geared adjoin travelers, but all-around biking is still appealing abundant at a standstill, Amex and Citi accept added limited-time allowances to their cards in adjustment to accumulate their barter loyal.

The Citi Prestige® Agenda $250 anniversary biking acclaim has broadcast the categories that authorize to accommodate purchases at supermarkets and restaurants through the end of 2020. It additionally earns 5x credibility on online, cable, and alive purchases through the end of the year, with a anniversary cap of 7,500 credibility (so $1,500 in spending).

American Express has added a cardinal of absorbing allowances during these afflicted times. Best recently, the issuer appear that Platinum Agenda members, amid added cardholders, can annals for 12 months of adulatory Uber Eats Pass. This is admired at $9.99 per ages and includes waived commitment fees and 5% off acceptable restaurant commitment orders of $15 or more, and $0 commitment fees on grocery orders of $30 or added in baddest markets.

Anniversary Fee

Regular APR

Both The Platinum Card® from American Express and the Citi Prestige® Agenda are accomplished rewards acclaim cards acknowledgment to advantageous earning ante on a arrangement of purchases and admired anniversary anniversary credits. Anniversary racks up credibility that cardinal travelers can alteration to over a dozen airlines (and a few hotels in the case of Amex), which adds addition band of versatility to each.

Given the amazing accepted acceptable action on The Platinum Card® from American Express — not alone is it added credibility overall, but you additionally accept added time to accommodated the minimum spending claim — if you're because these two cards, go for that one first. You can consistently administer for the Citi Prestige® Agenda after and delay to see if it raises its acceptable anniversary to abide competitive.

That said, either agenda will be advantageous to accept in your wallet if and aback you activate traveling afresh acknowledgment to accomplished allowances that can save you time and money both at home and on the road.

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