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All comparisons
Head-to-head, 2026

American Express Hilton Honors Aspire 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 Hilton Honors Aspire

American Express

Hilton Honors Aspire

Annual fee
$550
Network
amex
Welcome value
$900
Min spend
$6,000 / 6mo

Top earning rates

  • 14×Hilton purchases · Hilton Honors
  • 7×Flights · Hilton Honors
  • 7×Car rentals · Hilton Honors
  • 7×Dining · Hilton Honors

Key benefits

  • Hilton Honors Diamond Status · $750
  • Free Weekend Night · $500
  • Resort Spa Credit · $200
  • $400 Hilton Resort Credit · $200
  • $199 CLEAR Plus · $199
Full American Express Hilton Honors Aspire 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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