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Valued Member
davidsawsparks
Posts: 46
Registered: ‎07-16-2010

AMEX vs CITI AMEX?

Forgive me if this has been asked before... but I can't seem to find it in the topics if it has been asked before. What is the difference between an AMEX card and Citi Preferred Diamond AMEX card? If I were to apply for a CITI AMEX, does AMEX do the credit check or does CITI do it? If I had a CITI AMEX, does it back date to another AMEX's date or is it considered a new card etc...



Equifax: 705
Transunion: 693
Experian FAKO: 761
Established Contributor
KIPPIE12
Posts: 619
Registered: ‎05-09-2009

Re: AMEX vs CITI AMEX?


davidsawsparks wrote:

Forgive me if this has been asked before... but I can't seem to find it in the topics if it has been asked before. What is the difference between an AMEX card and Citi Preferred Diamond AMEX card? If I were to apply for a CITI AMEX, does AMEX do the credit check or does CITI do it? If I had a CITI AMEX, does it back date to another AMEX's date or is it considered a new card etc...


If you apply for the Citi Amex, Citi does the inquiry.  They are two separate companies.  The Citi Amex is a co-branded card with a license from Amex.  So the inquiry and account is serviced by Citi.  As far as backdating, only Amex itself does this.  Citi does not.  If you had an actual Amex card from years ago, closed it, and applied directly from Amex, then they would backdate the new account to when you first became a member with them. 

 

Hope this helps.

Current Score: EQ: 781 TU: 798 EX: 802 (Fico) 8/13
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 36k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Sams Discover 10k|Chase IHG Select Visa 26k|Macys 5k

Valued Member
davidsawsparks
Posts: 46
Registered: ‎07-16-2010

Re: AMEX vs CITI AMEX?

Hmmmm interesting. So what is the pros and cons of getting one over the other?



Equifax: 705
Transunion: 693
Experian FAKO: 761
Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: AMEX vs CITI AMEX?

The American Express bank will cancel you in a heartbeat.   So everytime you go to use it , you can ask yourself.   Do I feel lucky today? 

:smileywink:

 

 

From the merchants point of view, the AMEX network is all the same.   So you need to look and terms and condition and rewards for each banks cards to compare. 

Established Contributor
KIPPIE12
Posts: 619
Registered: ‎05-09-2009

Re: AMEX vs CITI AMEX?


Wolf3 wrote:

The American Express bank will cancel you in a heartbeat.   So everytime you go to use it , you can ask yourself.   Do I feel lucky today? 

:smileywink:

 

 

From the merchants point of view, the AMEX network is all the same.   So you need to look and terms and condition and rewards for each banks cards to compare. 


Wolf is right..........Amex suffers from crankiness...........They have been badgering me for months for Zync,Green,Gold Premier for months now.  They go into shredder. If i had to choose, i'd pick Citi.  At least you shouldn't have to worry about account closure at a moments' notice.

Current Score: EQ: 781 TU: 798 EX: 802 (Fico) 8/13
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 36k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Sams Discover 10k|Chase IHG Select Visa 26k|Macys 5k

Regular Contributor
thebostonredsox
Posts: 146
Registered: ‎08-27-2008

Re: AMEX vs CITI AMEX?

I chose CITI (Select AAdvantage American Express). I had received an invitation to apply via email last month with a 35,000 mile bonus and no annual fee for the first year. I applied on-line and received an instant approval with a $15,000 initial credit line. After the first year, the annual fee is $85.00

 

I would eventually like to apply for the companion Visa siggie card, but I don't know how long you have to wait before you can apply for another CITI account. They will not charge another annual fee as long as you keep your first AAdvantage card open.

 

CITI is much better the American Express Centurion Bank.

Mega Contributor
Creditaddict
Posts: 18,793
Registered: ‎10-23-2007

Re: AMEX vs CITI AMEX?

I would wait until you get your first CLI then apply for a second card if you want one. Sounds like they really like you!

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