Choosing between the Citi Strata Premier Card ($95/yr) and the Delta SkyMiles Gold American Express Card ($150/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel 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 want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in travel at 2%. 2x miles on Delta, restaurants, and U.S. supermarkets. Free first checked bag and priority boarding on Delta.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Citi Strata Premier Card | Delta SkyMiles Gold American Express Card |
|---|---|---|
| Annual Fee | $95 | $150 |
| Sign-Up Bonus | 60,000 points after $4,000 spend in 3 months | 90,000 miles after $5,000 spend in 6 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>1.0%</strong> | <strong>1.0%</strong> |
| Travel Rewards | <strong>3%</strong> | 2% |
| Dining Rewards | <strong>3%</strong> | 2% |
| Groceries Rewards | <strong>3%</strong> | 2% |
| Gas Rewards | <strong>3%</strong> | 1% |
| Key Benefits | 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging. | 2x miles on Delta, restaurants, and U.S. supermarkets. Free first checked bag and priority boarding on Delta. |
Citi Strata Premier Card pulls ahead for travel, dining, groceries, gas spending.
The $55/year fee difference means Delta SkyMiles Gold American Express Card needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.