Platinum Rewards vs Xbox

Platinum Rewards
$0/yr
7.0/10
VS

Xbox
$0/yr
7.0/10
Quick Answer
Platinum Rewards charges no annual fee with 1X base rewards. Xbox charges no annual fee with 1X base rewards. Platinum Rewards offers a slight edge depending on your spending when comparing fees, rewards, and benefits side by side.
Apply for Platinum Rewards →
PointsPick may earn a commission. Disclosure
Apply for Xbox →
PointsPick may earn a commission. Disclosure
Winner by Category
Annual Fees
Platinum Rewards
Lower annual fee ($0 vs $0)
Rewards Earning
Platinum Rewards
3 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Platinum Rewards edges ahead
Better rewards and benefits at the same fee level.
Apply for Platinum RewardsPREMIUM PICK
Xbox is a strong alternative
Competitive features make it worth considering.
Apply for XboxRewards Earning: Detailed Comparison
Platinum Rewards
| Hotels, flights, car rentals (travel portal) | 5.0X |
| Dining & gas | 3.0X |
| Everything else | 1.0X |
Xbox
| Xbox purchases | 5.0X |
| Dining, grocery, entertainment | 3.0X |
| Everything else | 1.0X |