Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the The Platinum Card from American Express ($895/yr) and the Citi Strata Premier® Card ($95/yr) comes down to where you spend most. Platinum Card from American Express needs about $3,335 a month in flights, counting that spending alone, to make up its $800 higher annual fee over Citi Strata Premier Card. Below that, Citi Strata Premier Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in flights at 5% (up to $500,000/yr). 5X on flights and prepaid hotels through Amex Travel. Global Lounge Collection access.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply NowStrongest in flights and hotels at 3%. 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | The Platinum Card from American Express | Citi Strata Premier Card |
|---|---|---|
| Annual Fee | $895 | $95 |
| Sign-Up Bonus | 175,000 points after $12,000 spend in 6 months | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 5% (up to $500,000/yr) | 3% |
| Hotels Rewards | 1% | 3% |
| Dining Rewards | 1% | 3% |
| Groceries Rewards | 1% | 3% |
| Gas Rewards | 1% | 3% |
| Rates with conditions not counted in the rows above |
5% on prepaid hotels through Amex Travel Earns 5% only on prepaid hotels booked through American Express Travel, Amex's own booking site. Hotels booked direct earn 1%. |
10% through Citi Travel Earns 10% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Booking direct with a hotel or rental company earns 3%. |
| Key Benefits | 5X on flights and prepaid hotels through Amex Travel. Global Lounge Collection access. | 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging. |
The Platinum Card from American Express pulls ahead for travel spending.
Citi Strata Premier Card wins on dining, groceries, gas.
The $800/year fee difference means The Platinum Card from American Express needs to earn about that much more in rewards to justify its cost.
The Platinum Card from American Express carries $1,174/year in credits (mostly tied to specific merchants or bookings), while Citi Strata Premier Card carries $100/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.