Delta SkyMiles Gold American Express Card vs. Citi Strata Premier Card
On the criteria below, Citi Strata Premier Card wins 2 of 3. The verdict depends on which criteria matter to you.
Delta SkyMiles Gold American Express Card
Amex
Citi Strata Premier Card
Citi
Citi Strata Premier Card wins 2 of 3 criteria here, making it the stronger all-rounder.
Citi Strata Premier Card leads on annual fee and earning ceiling, while Delta SkyMiles Gold American Express Card only ties the rest.
Pick the Delta SkyMiles Gold American Express Card if year-one math is your priority; take the Citi Strata Premier Card if you want a cheaper card to keep long-term.
Who wins what
0 vs 2 (1 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Citi Strata Premier Card
Citi Strata Premier Card is $55 cheaper to keep.
- Earning ceiling Citi Strata Premier Card
Citi Strata Premier Card earns more on its best category (10× vs 2×).
By the numbers
- Annual fee
- $150
- $95
- Welcome offer (typical value)
- $960
- $900
- First-year net
- +$810
- +$805
- Peak earning rate
- 2×
- 10×
- Top categories
- Dining, U.S. Supermarkets, Airfare
- Travel, Travel, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- Delta SkyMiles
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.