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All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Platinum 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 Premier

American Express

Delta SkyMiles Platinum

Annual fee
$350
Network
amex
Welcome value
—
Min spend
$4,000 / 6mo

Top earning rates

  • 3×Delta flights and Delta Vacations
  • 3×Hotels
  • 2×Restaurants
  • 2×U.S. Supermarkets

Key benefits

  • Annual Delta Main Companion Certificate · $350
  • $150 Delta Stays Credit · $150
  • Fee Credit for Global Entry or TSA PreCheck® · $120
  • $120 Resy Credit · $10
  • $120 Rideshare Credit · $10
Full American Express Delta SkyMiles Platinum review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
—
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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