I’ve a Discover Platinum. Not sure why or how. It’s just the card they sent to me. I only really ever have used it once in the last several years, and that was only because Sam’s wouldn’t take my check and it was before they starting accepting Mastercard a few months ago.
My Citi card is black, but it says “Gold Level” on the front. I keep getting mail solicitations to upgrade to Platinum, but the annual fee is higher and the only difference is I can earn more than 100 kilomiles every year. I don’t spend that much, though.
In the case of the latter, I can’t find a look link that describes additional benefits anywhere, like LDW for rentals, additional warranties, anything like that. Anyone have a resource on the Citi Aadvantage perks besides mileage accumulation?