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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×Dining · Delta SkyMiles
  • 2×Advertising · Delta SkyMiles
  • 1×All other purchases · Delta SkyMiles

Key benefits

  • $200 Delta Flight Credit (Spend Tier) · $200
  • $150 Delta Stays Credit · $150
  • First Checked Bag Free · $140
  • $120 Rideshare Credit · $10
  • TakeOff 15 · $0
Full American Express Delta SkyMiles® Gold Business Card review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
  • Trip Cancellation and Interruption Insurance · $0
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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