American Express Platinum Citi AAdvantage Business
American Express Platinum
$895/yr
Citi AAdvantage Business
$99/yr
Every $1 · two cards
American Express Platinum earns more in 7 of 9 categories · Citi AAdvantage Business in 1
- Dining1×2¢ per $11×1.45¢ per $1
- Groceries1×2¢ per $11×1.45¢ per $1
- Gas1×2¢ per $12×2.9¢ per $1
- Flights5×10¢ per $1
up to $500,000/yr
1×1.45¢ per $1 - Hotels5×10¢ per $1
via American Express Travel
1×1.45¢ per $1 - Everything else1×2¢ per $11×1.45¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Platinum
- Annual fee
- $895
- Network
- amex
- Welcome value
- —
- Min spend
- $12,000 / 6mo
Top earning rates
- 5×Flights booked directly with airlines or through American Express Travel® · Membership Rewards
- 5×Prepaid hotels · Membership Rewards
- 5×Prepaid short-term rentals with Airbnb · Membership Rewards
- 2×Eligible travel purchases · Membership Rewards
Key benefits
- Cell Phone Protection · $800
- Trip Delay Insurance · $500
- $300 Equinox Credit · $300
- $600 Lodging Credit · $300
- $250 Airbnb Experiences Credit · $250
Citi
AAdvantage Business
- Annual fee
- $99
- Network
- mastercard
- Welcome value
- ~$1,088
- Min spend
- $5,000 / 5mo
Top earning rates
- 2×Eligible American Airlines purchases · AAdvantage
- 2×Gas stations and car rental merchants · AAdvantage
- 2×Telecommunications merchants and cable and satellite providers · AAdvantage
- 1×All other purchases · AAdvantage
Key benefits
- Companion Certificate (Spend Tier) · $250
- First checked bag free · $140
- 25% Inflight Savings · $0
- No Foreign Transaction Fees · $0
- Citi Entertainment access · $0
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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