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All comparisons
Head-to-head, 2026

American Express Platinum Citi AAdvantage Globe Mastercard

American Express Platinum

$895/yr

Platinum
AAdvantage Globe Mastercard

Citi AAdvantage Globe Mastercard

$350/yr

Every $1 · two cards

American Express Platinum earns more in 6 of 9 categories · Citi AAdvantage Globe Mastercard in 2

  • Dining
    1×2¢ per $1
    2×2.9¢ per $1
  • Groceries
    1×2¢ per $1
    1×1.45¢ per $1
  • Gas
    1×2¢ per $1
    1×1.45¢ per $1
  • Flights
    5×10¢ per $1

    up to $500,000/yr

    1×1.45¢ per $1
  • Hotels
    5×10¢ per $1

    via American Express Travel

    1×1.45¢ per $1
  • Everything else
    1×2¢ per $1
    1×1.45¢ 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

Lower annual fee: Citi AAdvantage Globe Mastercard

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
Full American Express Platinum review

Citi

AAdvantage Globe Mastercard

Annual fee
$350
Network
mastercard
Welcome value
~$870
Min spend
$4,000 / 3mo

Top earning rates

  • 6×AAdvantage Hotels™ bookings · AAdvantage
  • 3×American Airlines purchases · AAdvantage
  • 2×Restaurants, including takeout and delivery · AAdvantage
  • 2×Rides and Rails™ purchases, including taxis, rideshares and public transit · AAdvantage

Key benefits

  • Companion Certificate · $250
  • $240 Annual Turo Credit · $240
  • First checked bag free · $140
  • Global Entry or TSA PreCheck Credit · $120
  • $100 Annual Splurge Credit · $100
Full Citi AAdvantage Globe Mastercard review

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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