Amex Business Platinum vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Amex Business Platinum wins 3-2. US-incorporated startups with $50K+/year corporate spend. Citi Strata Premier is still the right call if mid-tier travel card; 10x is citi travel portal-only, 3x on everyday travel and dining..
Side-by-side
| Criterion | Amex Business Platinum | Citi Strata Premier |
|---|---|---|
| Annual fee | · $695 | $95 |
| Joining fee | = None | = None |
| Top reward rate | 5% (travel) | · 3% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 150,000 Membership Rewards points after $20,000 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 Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
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 Platinum vs Citi Strata Premier: which is better?
Amex Business Platinum wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amex Business Platinum 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 Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.