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All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Bevy 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

Marriott Bonvoy Bevy

Annual fee
$250
Network
amex
Welcome value
—
Min spend
—

Top earning rates

  • 6×Marriott Bonvoy Hotels · Marriott Bonvoy
  • 4×Restaurants · Marriott Bonvoy
  • 4×U.S. Supermarkets · Marriott Bonvoy
  • 2×All Other Purchases · Marriott Bonvoy

Key benefits

  • Annual Free Night Award · $350
  • 15 Elite Night Credits · $150
  • Marriott Bonvoy Gold Elite Status · $125
  • 1,000 Bonus Points Per Paid Stay · $70
  • No Foreign Transaction Fees · $60
Full American Express Marriott Bonvoy Bevy 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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