Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Amex GoldCiti Strata Premier
Amex Gold
American Express
Annual fee
$325
$95
Earns into
Amex Membership Rewards
Citi ThankYou Points
Card type
Personal
Personal
Restaurants
4x pointsUp to $50,000 a year
3x points
Groceries
4x pointsU.S. supermarkets, up to $25,000 a year
3x points
Flights
3x pointsBooked directly with the airline
3x points
Hotels
1x points
3x points
Travel portal
1x points
1x points
Everything else
1x points
1x points
Who it fits
Households with a large, already-existing restaurant and supermarket line item.
People who want transferable points without curating spend into one category.
Who it doesn't
Anyone who would have to change where they eat to claim the credits.
Anyone who redeems for statement credits — the categories only pay off on transfers.
Last documented change
August 8, 2026Refresh raised the fee and added more narrowly-scoped merchant credits
July 21, 2024Citi Premier became Citi Strata Premier, adding 10x on hotels, car rentals, and attractions booked through Citi Travel plus a $100 annual hotel benefit — fee unchanged at $95
What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.