American Express® Gold Card vs Citi Strata Premier℠ Card

Option A

American Express · $325/yr

Option B

Citi · $95/yr

Spec	American Express®	Citi Strata
Annual fee	$325/yr	$95/yr
Welcome bonus	100,000 points bonus	60,000 points bonus
Base rate	1x	1x
Top earn rates	5x Prepaid hotels booked on AmexTravel.com 4x Restaurants worldwide (incl. takeout & delivery in the U.S.) 4x U.S. supermarkets	10x Hotels, car rentals and attractions booked through Citi Travel 3x Air travel and other hotel purchases 3x Restaurants
Foreign tx fee	None	None
Statement credits	4 credits	1 credits
Rewards	American Express Membership Rewards	Citi ThankYou Points