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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles® Gold Business Card Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata PremierBigger welcome offer: American Express Delta SkyMiles® Gold Business Card

American Express

Delta SkyMiles® Gold Business Card

Annual fee
$150
Network
amex
Welcome value
$1,080
Min spend
$6,000 / 6mo

Top earning rates

  • 2×Delta purchases · Delta SkyMiles
  • 2×U.S. shipping · Delta SkyMiles
  • 2×U.S. advertising in select media · Delta SkyMiles
  • 1×All other purchases · Delta SkyMiles

Key benefits

  • 1x mile on All Other Purchases · $161
  • $150 Delta Flight Credit (Spend Tier) · $150
  • First Checked Bag Free · $140
  • 2x miles on Shipping & Advertising · $120
  • TakeOff 15% (Award Booking Discount) · $100
Full American Express Delta SkyMiles® Gold Business Card review

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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