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COMPARE/AMEX MARRIOTT BONVOY BRILLIANT VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

American Express Marriott Bonvoy Brilliant or Citi Strata Elite?

Citi Strata Elite returns $135 over its fee and American Express Marriott Bonvoy Brilliant returns $320, so the fee difference comes down to which categories you use.

American Express Marriott Bonvoy Brilliant
American Express Marriott Bonvoy BrilliantAmerican Express · $650 fee · 2 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE-$320$330 credits
NET VALUE+$135$730 credits
American Express Marriott Bonvoy Brilliant
AMERICAN EXPRESSAmerican Express Marriott Bonvoy Brilliant
FEE$650
CREDITS$330
NET-$320
Category wins1 of 4
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Marriott 85k Free Night
BEST NET VALUE
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins3 of 4
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Day Passes
TAKE THE AMEX MARRIOTT BONVOY BRILLIANT IF

You use food & dining. Food & Dining alone is worth $300 here and nothing on the Citi Strata Elite.

TAKE THE CITI STRATA ELITE IF

You use travel, entertainment & media, transportation. Travel and Entertainment & Media and Transportation alone are worth $900 here and nothing on the Amex Marriott Bonvoy Brilliant.

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Frequently asked questions

Which is better, American Express Marriott Bonvoy Brilliant or Citi Strata Elite?

The Citi Strata Elite is better with $135 net annual value compared to the American Express Marriott Bonvoy Brilliant at -$320. The Citi Strata Elite wins by $455/year.

What's the difference between American Express Marriott Bonvoy Brilliant and Citi Strata Elite?

The key differences: American Express Marriott Bonvoy Brilliant has a $650 annual fee and $730 in annual benefits, while Citi Strata Elite has a $595 annual fee and $330 in annual benefits. The annual fee difference is $55.

Which has a lower annual fee, American Express Marriott Bonvoy Brilliant or Citi Strata Elite?

The Citi Strata Elite has a lower annual fee at $595 compared to the American Express Marriott Bonvoy Brilliant at $650. However, the American Express Marriott Bonvoy Brilliant offers $330 in total annual benefits.

Is the Citi Strata Elite worth it compared to the American Express Marriott Bonvoy Brilliant?

Yes, the Citi Strata Elite offers better value with $135 net annual value compared to -$320 for the American Express Marriott Bonvoy Brilliant. It also has a lower annual fee.

Amex vs Citi: which issuer is better?

For these specific cards, Citi's Citi Strata Elite offers better value with $135 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for travel?

The Citi Strata Elite is better for travel with $500 in annual travel benefits compared to $0 for the American Express Marriott Bonvoy Brilliant.

Should I get the Citi Strata Elite?

If you're deciding between the American Express Marriott Bonvoy Brilliant and Citi Strata Elite, the Citi Strata Elite is the better choice with $135 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.

Other comparisons

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American Express Delta SkyMiles Reserve-$60
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American Express Gold+$99
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