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All comparisons
Head-to-head, 2026

American Express Schwab 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 PremierBigger welcome offer: American Express Schwab Platinum

American Express

Schwab Platinum

Annual fee
$695
Network
amex
Welcome value
$800
Min spend
$8,000 / 6mo

Top earning rates

  • 5×Flights · Membership Rewards
  • 5×Hotels · Membership Rewards
  • 1×All other purchases · Membership Rewards

Key benefits

  • Annual Schwab Appreciation Bonus · $1000
  • $300 Equinox Credit · $300
  • $600 Hotel Credit · $300
  • Cruise Privileges Program · $300
  • $300 SoulCycle At-Home Bike Credit · $300
Full American Express Schwab Platinum review

Citi

Strata Premier

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

Top earning rates

  • 10×Car rentals · Citi ThankYou Rewards
  • 10×Attractions · Citi ThankYou Rewards
  • 10×Hotels · Citi ThankYou Rewards
  • 3×Hotels · Citi ThankYou Rewards

Key benefits

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