Dedicated comparison page
American Express Gold Card vs Citi Premier Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by American Express
American Express Gold Card is a dining card from American Express with a $250 annual fee, 60,000 points after $6,000 in 6 months, and good to excellent credit.
Best for: People focused on dining rewards who can justify a $250 annual fee and who typically have good to excellent credit.
by Citi
Citi Premier Card is a travel card from Citi with a $95 annual fee, 60,000 points after $4,000 in 3 months, and good to excellent credit.
Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.
| Metric | American Express Gold Card | Citi Premier Card |
|---|---|---|
| Annual Fee | $250 | $95 |
| Reward Rate | 1.0% | 1.0% |
| Signup Bonus | 60,000 points after $6,000 in 6 months | 60,000 points after $4,000 in 3 months |
| Foreign Transaction Fee | None | None |
| Recommended Credit | Good to excellent credit | Good to excellent credit |
| Rewards Summary | Earn elevated rewards with 4% on Dining, 4% on Groceries and 3% on Travel, plus 1% on other purchases. | Earn elevated rewards with 3% on Dining, 3% on Gas and 3% on Groceries, plus 1% on other purchases. |
Its strongest earning category is Dining at 4%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on dining rewards who can justify a $250 annual fee and who typically have good to excellent credit.
Its strongest earning category is Travel at 3%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
American Express Gold Card has the lowest published starting credit range in this comparison at 700.
Citi Premier Card has the lowest annual fee in this comparison at $95.