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Side-by-side

The Business Platinum Card from Amex vs Citi Double Cash

Both are well-respected travel cards. The The Business Platinum Card from Amex comes from American Express at $895/yr; the Citi Double Cash from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the The Business Platinum Card from Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($2,500 more in estimated value) than the Citi Double Cash's. Get the The Business Platinum Card from Amex first; revisit the Citi Double Cash after you've earned that bonus.

FeatureThe Business Platinum Card from AmexCiti Double Cash
Annual fee$895$0
Sign-up bonus150,000 Membership Rewards points$200 cash back
Bonus value (est.)$2,700$200
Min spend to unlock bonus$20,000 in 3 mo$1,500 in 6 mo
IssuerAmerican ExpressCiti
Card categorybusinesscashback
Best earning category (Flights_hotels_amextravel)5x1x
Transfer partnersamex-mrciti-ty
Headline benefits
  • 150k MR bonus
  • $910 in shopping credits
  • Centurion lounge access
  • 35% flight rebate
  • 2% everywhere
  • No annual fee
  • Pairs with TY Premier
  • Simple earning
Read the full review
The Business Platinum Card from Amex
$895/yr · 150,000 Membership Rewards points
Read the full review
Citi Double Cash
$0/yr · $200 cash back

Editorial take: The Business Platinum Card from Amex

Only worth it if you'll actually use the Dell, Indeed, and Adobe credits, they total $910 per year but require repeat spending at each vendor. If you do, this is the most credit-rich card on the market.

Editorial take: Citi Double Cash

The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.

Common questions

Which card has the bigger sign-up bonus, The Business Platinum Card from Amex or Citi Double Cash?
The The Business Platinum Card from Amex has the bigger bonus, 150,000 Membership Rewards points, worth roughly $2,700, versus $200 cash back (~$200) on the Citi Double Cash.
Is the The Business Platinum Card from Amex's $895 annual fee worth it compared to the Citi Double Cash?
Premium cards like the The Business Platinum Card from Amex ($895/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $895+ of those credits, the math works. The Citi Double Cash at $0/yr trades some perks for a lower commitment.
Can I have both the The Business Platinum Card from Amex and Citi Double Cash?
Yes, since they're from different issuers (American Express and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the The Business Platinum Card from Amex or the Citi Double Cash first?
Get the one whose sign-up bonus you can hit comfortably without overspending. The Business Platinum Card from Amex: $20,000 spend in 3 months. Citi Double Cash: $1,500 in 6 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.