Skip to content
Credit Card Coups
COMPARE/AMEX BUSINESS GOLD VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

American Express Business Gold or Citi Strata Elite?

American Express Business Gold returns $470 over its fee and Citi Strata Elite returns $135, so the fee difference comes down to which categories you use.

American Express Business Gold
American Express Business GoldAmerican Express · $375 fee · 4 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$470$845 credits
NET VALUE+$135$730 credits
BEST NET VALUE
American Express Business Gold
AMERICAN EXPRESSAmerican Express Business Gold
FEE$375
CREDITS$845
NET+$470
Category wins3 of 6
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins3 of 6
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Day Passes
TAKE THE AMEX BUSINESS GOLD IF

You use business, food & dining, lifestyle. Business and Food & Dining and Lifestyle alone are worth $1,085 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 Business Gold.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking free

Frequently asked questions

Which is better, American Express Business Gold or Citi Strata Elite?

The American Express Business Gold is better with $470 net annual value compared to the Citi Strata Elite at $135. The American Express Business Gold wins by $335/year.

What's the difference between American Express Business Gold and Citi Strata Elite?

The key differences: Citi Strata Elite has a $595 annual fee and $845 in annual benefits, while American Express Business Gold has a $375 annual fee and $730 in annual benefits. The annual fee difference is $220.

Which has a lower annual fee, American Express Business Gold or Citi Strata Elite?

The American Express Business Gold has a lower annual fee at $375 compared to the Citi Strata Elite at $595. However, the Citi Strata Elite offers $730 in total annual benefits.

Is the American Express Business Gold worth it compared to the Citi Strata Elite?

Yes, the American Express Business Gold offers better value with $470 net annual value compared to $135 for the Citi Strata Elite. It also has a lower annual fee.

Amex vs Citi: which issuer is better?

For these specific cards, Amex's American Express Business Gold offers better value with $470 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.

Which card is better for business?

The American Express Business Gold is better for business with $690 in annual business benefits compared to $0 for the Citi Strata Elite.

Should I get the American Express Business Gold?

If you're deciding between the American Express Business Gold and Citi Strata Elite, the American Express Business Gold is the better choice with $470 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

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Platinum+$2,109
VS
Capital One Venture X-$65
See the breakdown →
Capital One Venture X-$65
VS
Chase Sapphire Reserve+$2,348
See the breakdown →
American Express Business Platinum+$1,284
VS
Chase Sapphire Reserve for Business+$1,155
See the breakdown →
American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
See the breakdown →
American Express Gold+$99
VS
American Express Platinum+$2,109
See the breakdown →

MORE AMEX BUSINESS GOLD COMPARISONS

MORE CITI STRATA ELITE COMPARISONS