Dedicated comparison page
The Platinum Card from American Express vs Citi Strata Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by American Express
The Platinum Card from American Express is a travel card from American Express with a $895 annual fee, up to 175,000 membership rewards points after $12,000 in 6 months, and good to excellent credit.
Best for: People focused on travel rewards who can justify a $895 annual fee and who typically have good to excellent credit.
by Citi
Citi Strata Card is a cashback card from Citi with no annual fee, $200 cash back after $1,500 in 6 months, and fair to good credit.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
| Metric | The Platinum Card from American Express | Citi Strata Card |
|---|---|---|
| Annual Fee | $895 | None |
| Reward Rate | 5.0% | 3.0% |
| Signup Bonus | Up to 175,000 Membership Rewards points after $12,000 in 6 months | $200 cash back after $1,500 in 6 months |
| Foreign Transaction Fee | None | 3.0% |
| Recommended Credit | Good to excellent credit | Fair to good credit |
| Rewards Summary | Earn elevated rewards with 5% on Travel, plus 1% on other purchases. | Earn elevated rewards with 3% on Dining, 3% on Ev-charging and 3% on Gas, plus 1% on other purchases. |
Its strongest earning category is Travel at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on travel rewards who can justify a $895 annual fee and who typically have good to excellent credit.
Its strongest earning category is Dining at 3%, backed by 1% on general spending.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.
Citi Strata Card has the lowest published starting credit range in this comparison at 670.
Citi Strata Card has the lowest annual fee in this comparison at no annual fee.