Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

American Express Platinum Citi Strata Elite

American Express Platinum

$895/yr

Platinum
Strata Elite

Citi Strata Elite

$595/yr

Every $1 · two cards

American Express Platinum earns more in 0 of 9 categories · Citi Strata Elite in 8

  • Dining
    1×2¢ per $1
    3×5.7¢ per $1
  • Groceries
    1×2¢ per $1
    1.5×2.85¢ per $1
  • Gas
    1×2¢ per $1
    1.5×2.85¢ per $1
  • Flights
    5×10¢ per $1

    up to $500,000/yr

    6×11.4¢ per $1

    via Citi Travel

  • Hotels
    5×10¢ per $1

    via American Express Travel

    12×22.8¢ per $1

    via Citi Travel

  • Everything else
    1×2¢ per $1
    1.5×2.85¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Citi Strata Elite

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights booked directly with airlines or through American Express Travel® · Membership Rewards
  • 5×Prepaid hotels · Membership Rewards
  • 5×Prepaid short-term rentals with Airbnb · Membership Rewards
  • 2×Eligible travel purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $300 Equinox Credit · $300
  • $600 Lodging Credit · $300
  • $250 Airbnb Experiences Credit · $250
Full American Express Platinum review

Citi

Strata Elite

Annual fee
$595
Network
mastercard
Welcome value
~$1,425
Min spend
$6,000 / 3mo

Top earning rates

  • 12×Hotels, Car Rentals, and Attractions · ThankYou® Rewards
  • 6×Air Travel · ThankYou® Rewards
  • 6×Restaurants on Citi Nights® purchases · ThankYou® Rewards
  • 3×Restaurants any other time · ThankYou® Rewards

Key benefits

  • Citigold Private Client Relationship Credit · $595
  • Up to $300 Annual Hotel Benefit · $300
  • $200 Annual Splurge Credit · $200
  • Citigold Relationship Credit · $145
  • Global Entry or TSA PreCheck Credit · $120
Full Citi Strata Elite 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.

Get my personal answer