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Understanding the microstructural evolution of bimetallic Pt nanoparticles under electrochemical polarization is critical to developing durable fuel cell catalysts. In this work, we develop a colloidal synthetic method to generate core-shell Au@Pt nanoparticles of varying surface Pt coverages to understand how as-synthesized bimetallic microstructure influences nanoparticle structural evolution during formic acid oxidation. By comparing the electrochemical and structural properties of our Au@Pt core-shells with bimetallic AuPt alloys at various stages in catalytic cycling, we determine that these two structures evolve in divergent ways. In core-shell nanoparticles, Au atoms from the core migrate outward onto the surface, generating transient "single-atom" Pt active sites with high formic acid oxidation activity. Metal migration continues until Pt is completely encapsulated by Au, and catalytic reactivity ceases. In contrast, AuPt alloys undergo surface dealloying and significant leaching of Pt out of the nanoparticle. Elucidating the dynamic restructuring processes responsible for high electrocatalytic reactivity in Pt bimetallic structures will enable better design and predictive synthesis of nanoparticle catalysts that are both active and stable.