# American Express® Gold Card vs Citi Strata Premier® Card

> Side-by-side comparison: annual fees, earning rates, statement credits, and net value.

Canonical page: https://cardstack.money/compare/american-express-gold-card-vs-citi-strata-premier-card
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

| | American Express® Gold Card | Citi Strata Premier® Card |
| --- | --- | --- |
| Issuer | American Express | Citi |
| Annual fee | $325 | $95 |
| Total credits value | $620/yr | $100/yr |
| Net value after fee | +$295/yr | +$5/yr |
| Welcome offer | As high as 100,000 Membership Rewards® points after you spend $8,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. | 60,000 ThankYou points after you spend $4,000 in the first 3 months. |

## Earning rates

| Category | American Express® Gold Card | Citi Strata Premier® Card |
| --- | --- | --- |
| Dining | 4x | 3x |
| Groceries | 4x | 3x |
| Flights | 3x | 3x |
| Hotels | 5x | 10x |
| Travel | 2x | n/a |
| Gas & EV Charging | n/a | 3x |
| Everyday spending | 1x | 1x |

## American Express® Gold Card credits

- Uber Cash - $120/yr ($10 monthly) (https://cardstack.money/benefits/american-express-gold-card-uber-cash.md)
- Dining Credit - $120/yr ($10 monthly) (https://cardstack.money/benefits/american-express-gold-card-dining-credit.md)
- Dunkin' Credit - $84/yr ($7 monthly) (https://cardstack.money/benefits/american-express-gold-card-dunkin-credit.md)
- Resy Credit - $100/yr ($50 semi-annual) (https://cardstack.money/benefits/american-express-gold-card-resy-credit.md)
- Hotel Collection Credit - $100/yr ($100 annual) (https://cardstack.money/benefits/american-express-gold-card-hotel-collection-credit.md)
- Annual Uber One Membership – Gold Card 60th - $96 one-time (https://cardstack.money/benefits/american-express-gold-card-annual-uber-one-membership-gold-card-60th.md)

Full card page: https://cardstack.money/cards/american-express-gold-card.md

## Citi Strata Premier® Card credits

- Annual Hotel Benefit - $100/yr ($100 annual) (https://cardstack.money/benefits/citi-strata-premier-card-annual-hotel-benefit.md)

Full card page: https://cardstack.money/cards/citi-strata-premier-card.md


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Carry the Amex Gold Card or the Citi Strata Premier Card? CardStack tracks their statement credits and tells you which card to use for each purchase, so you get your money's worth. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863