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2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	Citi / AAdvantage Executive World Legend Mastercard Citi · $695/yr	Delta SkyMiles Platinum American Express Card American Express · $350/yr
Annual fee	$695	$350 Lowest
Welcome offerCurrent public offer	125,000 miles	As high as 90,000 miles — offers vary
Rewards	American AAdvantage	Delta SkyMiles
Foreign transaction fee	None	None
Network	Mastercard World Elite	American Express
Earn ratesPer $1 spent
Hotels	1x	3x Highest
Dining	1x	2x Highest
Grocery Stores	1x	2x Highest
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$500 American Airlines Vacations credit $120 Avis & Budget rental credit $100 inflight and Admirals Club credit $120 Global Entry/TSA PreCheck · $120 every 4 years	$150 Delta stays credit $120 Global Entry/TSA PreCheck 20% back Delta in-flight · $20 per transaction
Rideshare & transit	$15/mo Lyft credit · $180/yr	$10/mo rideshare · $10 monthly
Dining & delivery	—	$10/mo Resy · $10 monthly
Perks & access— means none on record
Lounges	Admirals Club membership - up to $850 value	—
Airline perks	First checked bag free on domestic AA flights Enhanced Airport Experience Preferred boarding on all American flights	Annual companion certificate for domestic Main Cabin flights First checked bag free for cardholder plus 8 companions Zone 5 Priority Boarding for you and 8 companions Complimentary Upgrade List
Other perks	Citi Entertainment® No foreign transaction fees	Amex Offers MQD Headstart and MQD Boost Early access to concerts and events 24/7 global travel assistance TakeOff 15 No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip Cancellation & Interruption up to $5,000/trip Trip Delay Protection up to $500/trip	Trip delay coverage up to $300 after 12 hours
Baggage	Lost Baggage Protection up to $3,000/traveler	Baggage insurance up to $1,250 for carry-on items
Rental car	Worldwide Car Rental Insurance up to $75,000	Car rental insurance up to $50,000
Purchase & returns	Purchase Protection up to $10,000/incident	Purchase protection up to $1,000 per occurrence
Extended warranty	Extended Warranty — +24 months, up to $10,000/item	Extended warranty adds 1 year to manufacturer warranty
Cell phone	—	Cell phone protection up to $800 per claim
Other protections	Comprehensive identity theft monitoring	Zero liability protection on fraudulent charges
Pros & cons
Pros	—	Annual Companion Certificate after card renewal (companion pays only taxes/fees on Main Cabin domestic, Caribbean or Central America) MQD Headstart ($2,500 a year) plus $1 MQD per $20 spent Free first checked bag for cardholder plus up to 8 companions on same reservation; second bag free on domestic flights Strong 2x earning on restaurants, hotels, and U.S. supermarkets Boosted upgrade priority to First Class and Delta One
Cons	—	$350 annual fee is substantial if not utilizing premium benefits Companion Certificate arrives only after the first card renewal No lounge access included (must upgrade to Reserve) Miles are locked to Delta SkyMiles program with limited transfer options Amex cards are accepted at fewer merchants abroad than Visa or Mastercard
	Card details	Card details

Citi / AAdvantage Executive World Legend Mastercard
Citi · $695/yr
Delta SkyMiles Platinum American Express Card
American Express · $350/yr

Overview

Annual fee: Citi / AAdvantage Executive World Legend Mastercard
$695
Delta SkyMiles Platinum American Express Card
$350
Lowest
Welcome offerCurrent public offer: Citi / AAdvantage Executive World Legend Mastercard
125,000 miles
Delta SkyMiles Platinum American Express Card
As high as 90,000 miles — offers vary
Rewards: Citi / AAdvantage Executive World Legend Mastercard
American AAdvantage
Delta SkyMiles Platinum American Express Card
Delta SkyMiles
Foreign transaction fee: Citi / AAdvantage Executive World Legend Mastercard
None
Delta SkyMiles Platinum American Express Card
None
Network: Citi / AAdvantage Executive World Legend Mastercard
Mastercard World Elite
Delta SkyMiles Platinum American Express Card
American Express

Earn ratesPer $1 spent

Hotels: Citi / AAdvantage Executive World Legend Mastercard
1x
Delta SkyMiles Platinum American Express Card
3x
Highest
Dining: Citi / AAdvantage Executive World Legend Mastercard
1x
Delta SkyMiles Platinum American Express Card
2x
Highest
Grocery Stores: Citi / AAdvantage Executive World Legend Mastercard
1x
Delta SkyMiles Platinum American Express Card
2x
Highest
Everything else: Citi / AAdvantage Executive World Legend Mastercard
1x
Delta SkyMiles Platinum American Express Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Citi / AAdvantage Executive World Legend Mastercard
$500 American Airlines Vacations credit
$120 Avis & Budget rental credit
$100 inflight and Admirals Club credit
$120 Global Entry/TSA PreCheck · $120 every 4 years
Delta SkyMiles Platinum American Express Card
$150 Delta stays credit
$120 Global Entry/TSA PreCheck
20% back Delta in-flight · $20 per transaction
Rideshare & transit: Citi / AAdvantage Executive World Legend Mastercard
$15/mo Lyft credit · $180/yr
Delta SkyMiles Platinum American Express Card
$10/mo rideshare · $10 monthly
Dining & delivery: Citi / AAdvantage Executive World Legend Mastercard
—
Delta SkyMiles Platinum American Express Card
$10/mo Resy · $10 monthly

Perks & access— means none on record

Lounges: Citi / AAdvantage Executive World Legend Mastercard
Admirals Club membership - up to $850 value
Delta SkyMiles Platinum American Express Card
—
Airline perks: Citi / AAdvantage Executive World Legend Mastercard
First checked bag free on domestic AA flights
Enhanced Airport Experience
Preferred boarding on all American flights
Delta SkyMiles Platinum American Express Card
Annual companion certificate for domestic Main Cabin flights
First checked bag free for cardholder plus 8 companions
Zone 5 Priority Boarding for you and 8 companions
Complimentary Upgrade List
Other perks: Citi / AAdvantage Executive World Legend Mastercard
Citi Entertainment®
No foreign transaction fees
Delta SkyMiles Platinum American Express Card
Amex Offers
MQD Headstart and MQD Boost
Early access to concerts and events
24/7 global travel assistance
TakeOff 15
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: Citi / AAdvantage Executive World Legend Mastercard
Trip Cancellation & Interruption up to $5,000/trip
Trip Delay Protection up to $500/trip
Delta SkyMiles Platinum American Express Card
Trip delay coverage up to $300 after 12 hours
Baggage: Citi / AAdvantage Executive World Legend Mastercard
Lost Baggage Protection up to $3,000/traveler
Delta SkyMiles Platinum American Express Card
Baggage insurance up to $1,250 for carry-on items
Rental car: Citi / AAdvantage Executive World Legend Mastercard
Worldwide Car Rental Insurance up to $75,000
Delta SkyMiles Platinum American Express Card
Car rental insurance up to $50,000
Purchase & returns: Citi / AAdvantage Executive World Legend Mastercard
Purchase Protection up to $10,000/incident
Delta SkyMiles Platinum American Express Card
Purchase protection up to $1,000 per occurrence
Extended warranty: Citi / AAdvantage Executive World Legend Mastercard
Extended Warranty — +24 months, up to $10,000/item
Delta SkyMiles Platinum American Express Card
Extended warranty adds 1 year to manufacturer warranty
Cell phone: Citi / AAdvantage Executive World Legend Mastercard
—
Delta SkyMiles Platinum American Express Card
Cell phone protection up to $800 per claim
Other protections: Citi / AAdvantage Executive World Legend Mastercard
Comprehensive identity theft monitoring
Delta SkyMiles Platinum American Express Card
Zero liability protection on fraudulent charges

Pros & cons

Pros: Citi / AAdvantage Executive World Legend Mastercard
—
Delta SkyMiles Platinum American Express Card
Annual Companion Certificate after card renewal (companion pays only taxes/fees on Main Cabin domestic, Caribbean or Central America)
MQD Headstart ($2,500 a year) plus $1 MQD per $20 spent
Free first checked bag for cardholder plus up to 8 companions on same reservation; second bag free on domestic flights
Strong 2x earning on restaurants, hotels, and U.S. supermarkets
Boosted upgrade priority to First Class and Delta One
Cons: Citi / AAdvantage Executive World Legend Mastercard
—
Delta SkyMiles Platinum American Express Card
$350 annual fee is substantial if not utilizing premium benefits
Companion Certificate arrives only after the first card renewal
No lounge access included (must upgrade to Reserve)
Miles are locked to Delta SkyMiles program with limited transfer options
Amex cards are accepted at fewer merchants abroad than Visa or Mastercard

Card details

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