Head-to-head · 🇺🇸 United States
Amex Business Gold vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
American Express
Amex Business Gold
AMERICAN
EXPRESS
EXPRESS
Wins 2 of 10
US
Citi
Citi Strata Premier
Wins 2 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Amex Business Gold | Citi Strata Premier |
|---|---|---|
| Annual fee | · $375 | $95 |
| Joining fee | = None | = None |
| Top reward rate | 4% (shopping) | · 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 70,000 Membership Rewards points after $10,000 spend in 3 months | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = None stated | = None stated |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Amex Business Gold
- 4x on top 2 categories ($150K cap): airfare, gas, advertising, tech, restaurants, US shipping
- $20 monthly FedEx + Grubhub credit
- $240 Amex Business Line of Credit access
- No foreign transaction fees
Citi Strata Premier
- 10x on hotels, car rentals, and attractions booked through the Citi Travel portal only
- 3x on air travel and other hotels, restaurants, supermarkets, and gas
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
FAQ
›Amex Business Gold vs Citi Strata Premier: which is better?
It's a true tie, pick the one whose boost categories match your spend. Amex Business Gold wins on 2 criteria, Citi Strata Premier on 2.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amex Business Gold for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Gold: 70,000 Membership Rewards points after $10,000 spend in 3 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.