Back in January I signed up for the Amex Platinum card because I was looking to see what all of the hype is about with premium credit cards. Up until then, I didn’t own a card with an annual fee higher than $95 because I just didn’t want or need to pay $550 for a piece of metal (albeit, the metal card is cool). I decided on the Amex Platinum for a few reasons:
- Amex Centurion lounge access in Philadelphia
- Priority Pass/Delta SkyLounge access
- Amex concierge
- $200 airline credits annually
Now that we’re halfway through the year I started thinking about whether or not I want to renew my Platinum card in January. I’m really on the fence with it for a few reasons:
- None of the airports I’ve been to this year aside from Philly have had Centurion lounges. I don’t fly Delta and Priority Pass options have been limited. For example, I’m flying out of Chicago O’Hare in July on an international trip and my Amex card only gets me access to two lounges in T5. But since I’m flying American, I won’t be in T5 and can’t access the lounges.
- I don’t use Uber much so I’ve found myself scrambling at the end of the month to take a ride or redeem through Uber Eats.
- The price is $100 more than most other premium cards with benefits that are more valuable for me.
Is the Citi AAdvantage World Elite card a better option?
For me, the Amex Platinum isn’t the best for my needs, and that’s okay. You have to go with what works for you.
I fly American more than any other airline since I’m based in Philly and find myself choosing American over other airlines to stay loyal based on that fact. As such, I’m better positioned to be near an Admiral’s Club and would really value being able to have access to it.
In addition, my company gives us Diner’s Club cards for business expenses so I automatically get access to Diner’s lounges (same lounges as Priority Pass).
With that said, I’m strongly leaning toward choosing not to renew my Amex Platinum but instead, apply for the Citi / AAdvantage Executive World Elite Mastercard (non-affiliate link). I’ll be doing this for a few reasons:
- Admiral’s Club access for me and my authorized users
- No annual fee for authorized users
- Global Entry or TSA Pre✓® application fee credit
- 50,000 AAdvantage miles sign-up bonus
- $450 annual fee ($100 less than the Platinum)
Obviously, there are some other perks that I’ll be giving up such as the $200 annual credit, which certainly complicates my decision.
What are your thoughts?
For any of you that have the Citi Executive World Elite Mastercard, what are your thoughts on it?