Card comparison · Citi vs American Express
Citi Strata Elite vs Amex Platinum
The Citi Strata Elite ($595 annual fee) ranks #124 and the Amex Platinum ($895) ranks #5 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Citi Strata Elite | Amex Platinum | |
|---|---|---|
| Issuer | Citi | American Express |
| Annual fee | $595 | $895 |
| Welcome offer | Earn 75,000 bonus points after spending $6,000 in the first 3 months. | As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership. |
| Rewards |
|
|
| Intro APR | — | — |
| Ongoing APR | — | — |
| Balance transfer fee | — | — |
| Foreign transaction fee | None | None |
| Our overall score | 53 (#124 of 294) | 71 (#5 of 294) |
| Dining ranking | #59 of 67 | not in this list |
| Travel ranking | #45 of 47 | #3 of 47 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Amex Platinum (71 vs 53). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Citi Strata Elite, by $300 a year ($595 vs $895). The pricier card has to earn at least $300 more in rewards or credits you actually use to come out ahead.
- Dining: only Citi Strata Elite is in our dining ranking (#59 of 67).
- Travel: Amex Platinum ranks higher in our travel ranking (#3 vs #45 of 47).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Citi Strata Elite better than the Amex Platinum?
By our overall score the Amex Platinum ranks higher (71 vs 53), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Citi Strata Elite or Amex Platinum?
The Citi Strata Elite: $595 vs $895, as stored in our database.
What are the welcome offers on the Citi Strata Elite and Amex Platinum?
Citi Strata Elite: Earn 75,000 bonus points after spending $6,000 in the first 3 months. Amex Platinum: As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Dining: only Citi Strata Elite is in our dining ranking (#59 of 67). Travel: Amex Platinum ranks higher in our travel ranking (#3 vs #45 of 47).