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TPG reader Mel tweeted me to ask:

@thepointsguy – “Is it worth replacing my Citi Prestige card with an American Express Platinum Card if I typically fly out of Newark, which does not have a Centurion lounge? Are there any other benefits I should consider?”

Unfortunately, there is no Centurion Lounge at Newark (EWR), and the closest one is at LaGuardia (LGA). If you fly American and often route through Dallas or Miami, you could use the lounges there, making the The Platinum Card from American Express more worthwhile.

However, I think that the Citi Prestige card is one of the most underrated credit cards out there. This past October, Citi made some changes that I think improve the card’s value a lot, and additional cardholders only have to pay an annual fee of $50 each to get Admirals Club Lounge Access plus Priority Pass Select, which are incredible benefits.

Citi has also been adding more transfer partners like Singapore and Flying Blue, and even more recently Virgin Atlantic and Qantas. The transfer partners aren’t as valuable as American, but the card still has many other great benefits, like the $250 airline fee rebate.

Citi Prestige vs. Amex Platinum vs. Visa Black...which one wins? Photo courtesy of Shutterstock.
Citi Prestige vs. Amex Platinum vs. Visa Black…which one wins? Photo courtesy of Shutterstock.

We actually did a match up of premium cards including the Citi Prestige, the Amex Platinum and the Visa Black card, and the Prestige card surprisingly came out ahead. Mel, I wouldn’t neccesarily switch cards, just make sure you’re getting the full value from your Citi Prestige card and utilizing all its benefits.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at info@thepointsguy.com.

American Express® Gold Card

With some great bonus categories, the American Express Gold Card has a lot going for it. The card offers 4x points at US restaurants, at US supermarkets (up to $25,000; then 1x), and 3x points on flights booked directly with airlines or through amextravel.com. It is currently offering a welcome bonus of 35,000 bonus points after you spend $2,000 in the first three months.

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More Things to Know
  • Earn 35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new Card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth's Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • Choose to carry a balance with interest on eligible charges of $100 or more.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms apply.
  • See Rates & Fees
Intro APR on Purchases
N/A
Regular APR
See Rates & Fees
Annual Fee
$250
Balance Transfer Fee
See Terms
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.