knock11 wrote:I hope this is the right subforum. I'm trying to choose between the Citi Prestige and the American Express platinum card. (I was declined for the Chase Sapphire Reserve).
I work as an associate at a big law firm, income is about $200k/year. I have to do a fair amount of traveling (not as much as consultants, but every month or two usually though it varies), and I can book that traveling on my own personal card and have my firm reimburse me. I can also book my hotel and my food/traveling expenses on my personal card. Hence, I think that a travel rewards card might be best for my purposes.
The Citi Prestige gave me the standard 40k bonus points for spending the few thousand dollars in the first few months (note that I spend enough that i'll meet either sign up bonus).
The American Express Platinum gave me a heightened, 75k bonus points offer for spending the minimum in the first few months.
Which would you choose?
It would depend on some variables you haven't included. Did you evaluate the perks of both cards? Do you frequent airports with Centurion or Delta lounges (Platinum gives you free access to both)? Are you loyal to a specific airline? Are you loyal or do you frequent any specific hotel brands / groups?
The Prestige has a better earn rate but less perks in the way of lounges and hotels. The Platinum's earn rate is poor, but it's designed for perks, not points. The only other thing really is the 4th free night with the Prestige, but I assume this might not come into play that often on business trips, but could be wrong.
Take a closer look into the perks of each card and see how they match up with your travel habits in general and maybe your spending habits.