American Express Marriott Bonvoy Brilliant vs Citi Strata Elite Comparison

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.

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.

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.

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.

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.

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

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.