Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $0/yr for the TSC Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or TSC Visa Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the The Platinum Card from American Express have that the TSC Visa Card doesn't?

The The Platinum Card from American Express offers lounge access. The TSC Visa Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the TSC Visa Card?

Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $0/yr for the TSC Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or TSC Visa Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the The Platinum Card from American Express have that the TSC Visa Card doesn't?

The The Platinum Card from American Express offers lounge access. The TSC Visa Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the TSC Visa Card?

Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Is the The Platinum Card from American Express worth the higher annual fee?

The The Platinum Card from American Express costs $895/yr vs $0/yr for the TSC Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the The Platinum Card from American Express or TSC Visa Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

What benefits does the The Platinum Card from American Express have that the TSC Visa Card doesn't?

The The Platinum Card from American Express offers lounge access. The TSC Visa Card focuses more on earn rates than premium perks.

Should I get the The Platinum Card from American Express or the TSC Visa Card?

Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.

The Platinum Card from American Express vs TSC Visa Card

The TSC Visa Card ($0/yr) is better for everyday value, while the The Platinum Card from American Express ($895/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

The Platinum Card from American Express

American Express

No image

TSC Visa Card

Citi

Fees & Welcome Offer

Annual Fee

$895

Welcome Bonus

80,000 Flex point

—

Earn Rates

Category	The Platinum Card from American Express	TSC Visa Card
Flights	5X	1X
Tractor Supply Co	1X	5X

Category-by-Category Winner

The TSC Visa Card wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Tractor Supply Co

TSC Visa Card earns 5X vs 1X

Gas Stations

TSC Visa Card earns 3X vs 1X

Grocery Stores

TSC Visa Card earns 3X vs 1X

Veterinary Services

TSC Visa Card earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express costs $895/yr — that's $895 more than the TSC Visa Card (no annual fee). To justify that gap, you need to extract at least $895 in annual value from the card's higher earn rates and benefits.

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $895 gap is significant. Choose the The Platinum Card from American Express only if you spend heavily on flights and hotels and will use its premium benefits regularly — otherwise the TSC Visa Card delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing TSC Visa Card means losing:

The Bottom Line

The TSC Visa Card has a lower annual fee ($0 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Choose the TSC Visa Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $0/yr for the TSC Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or TSC Visa Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the The Platinum Card from American Express have that the TSC Visa Card doesn't?: The The Platinum Card from American Express offers lounge access. The TSC Visa Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the TSC Visa Card?: Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

TSC Visa Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

The Platinum Card from American Express vs TSC Visa Card

No image

The Platinum Card from American Express

American Express

No image

TSC Visa Card

Citi

Fees & Welcome Offer

Annual Fee

$895

Welcome Bonus

80,000 Flex point

—

Earn Rates

Category	The Platinum Card from American Express	TSC Visa Card
Flights	5X	1X
Tractor Supply Co	1X	5X

Category-by-Category Winner

The TSC Visa Card wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Tractor Supply Co

TSC Visa Card earns 5X vs 1X

Gas Stations

TSC Visa Card earns 3X vs 1X

Grocery Stores

TSC Visa Card earns 3X vs 1X

Veterinary Services

TSC Visa Card earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing TSC Visa Card means losing:

The Bottom Line

The TSC Visa Card has a lower annual fee ($0 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Choose the TSC Visa Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $0/yr for the TSC Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or TSC Visa Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the The Platinum Card from American Express have that the TSC Visa Card doesn't?: The The Platinum Card from American Express offers lounge access. The TSC Visa Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the TSC Visa Card?: Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

TSC Visa Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Citi cards

The Platinum Card from American Express vs TSC Visa Card

No image

The Platinum Card from American Express

American Express

No image

TSC Visa Card

Citi

Fees & Welcome Offer

Annual Fee

$895

Welcome Bonus

80,000 Flex point

—

Earn Rates

Category	The Platinum Card from American Express	TSC Visa Card
Flights	5X	1X
Tractor Supply Co	1X	5X

Category-by-Category Winner

The TSC Visa Card wins in 4 of 5 categories. The The Platinum Card from American Express leads in 1.

Flights

The Platinum Card from American Express earns 5X vs 1X

Tractor Supply Co

TSC Visa Card earns 5X vs 1X

Gas Stations

TSC Visa Card earns 3X vs 1X

Grocery Stores

TSC Visa Card earns 3X vs 1X

Veterinary Services

TSC Visa Card earns 3X vs 1X

Is the Fee Difference Worth It?

The The Platinum Card from American Express offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing TSC Visa Card means losing:

The Bottom Line

The TSC Visa Card has a lower annual fee ($0 vs $895), making it the more accessible option.

The The Platinum Card from American Express justifies its higher fee with premium perks like lounge access.

Choose the TSC Visa Card if you want solid rewards with a lower cost of entry. Choose the The Platinum Card from American Express if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the The Platinum Card from American Express worth the higher annual fee?: The The Platinum Card from American Express costs $895/yr vs $0/yr for the TSC Visa Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the The Platinum Card from American Express or TSC Visa Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the The Platinum Card from American Express have that the TSC Visa Card doesn't?: The The Platinum Card from American Express offers lounge access. The TSC Visa Card focuses more on earn rates than premium perks.
Should I get the The Platinum Card from American Express or the TSC Visa Card?: Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the The Platinum Card from American Express if you spend enough to justify the $895/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Gold vs Amex Platinum Amex Green vs Amex Platinum Amex Platinum vs Capital One Venture Amex Platinum vs Capital One Venture X

Explore More

The Platinum Card from American Express — Full Review All American Express Cards

TSC Visa Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: American Express cards · Citi cards

Benefits & Features

Network

AMEX

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

None

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

—

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

—

-Airport lounge access
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the The Platinum Card from American Express if you:

+Fly frequently and value airport lounge access

Get the TSC Visa Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

AMEX

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

None

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

—

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

—

-Airport lounge access
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the The Platinum Card from American Express if you:

+Fly frequently and value airport lounge access

Get the TSC Visa Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

Benefits & Features

Network

AMEX

VISA

Key Benefits

✓Lounge access

✓Travel insurance

✓Global Entry credit

None

Pros & Cons

Pros

+Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
+$200/year Uber credit plus complimentary Uber One membership ($168 value)
+$400/year Resy dining credit at select restaurants
+Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
+5X points on flights booked direct or via Amex Travel

—

Cons

−$895 annual fee requires significant credit utilization to break even
−Many credits require specific merchants (Saks, Equinox, SoulCycle)
−Only 1X points on non-travel purchases limits everyday earning
−Secondary car rental coverage unless paying $24.95/rental for primary
−$195 authorized user fee after first 3 free cards

—

-Airport lounge access
-Travel insurance
-Global Entry credit

Which Card Is Right for You?

Get the The Platinum Card from American Express if you:

+Fly frequently and value airport lounge access

Get the TSC Visa Card if you:

+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment