Head to head

Hilton Honors American Express Surpass 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.

Hilton Honors American Express Surpass Card

Amex

Citi

At a glance

Citi Strata Premier Card wins 2 of 3 criteria here, making it the stronger all-rounder.

Hilton Honors American Express Surpass Card wins on earning ceiling; Citi Strata Premier Card wins on first-year math and annual fee.

Pick the Citi Strata Premier Card if year-one math is your priority; take the Citi Strata Premier Card if you want a cheaper card to keep long-term.

1 vs 2

First-year math Citi Strata Premier Card

Citi Strata Premier Card wins on bonus value minus annual fee.
Annual fee Citi Strata Premier Card

Citi Strata Premier Card is $55 cheaper to keep.
Earning ceiling Hilton Honors American Express Surpass Card

Hilton Honors American Express Surpass Card earns more on its best category (12× vs 10×).

Annual fee: $150; $95
Welcome offer (typical value): $650; $900
First-year net: +$500; +$805
Peak earning rate: 12×; 10×
Top categories: Hotels Resorts, Dining, U.S. Supermarkets; Travel, Travel, Dining
Lounge access: No; No
Travel insurance: Yes; Yes
Elite status: Yes; No
Foreign transaction fee: None; None
Reward currency: Hilton Honors; 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.