Delta SkyMiles® Gold American Express Card or Citi Strata Elite?
Citi Strata Elite returns $135 over its fee and Delta SkyMiles® Gold American Express Card returns $50, so the fee difference comes down to which categories you use.
| CATEGORY | DELTA SKYMILES® GOLD AMERICAN EXPRESS CARD | CITI STRATA ELITE |
|---|---|---|
| 🌎Travel | $100 | $500 |
| 🎭Entertainment & Media | — | $200 |
| 🚗Transportation | — | $200 |
| Lounge Access | — | |
| Total credits | $100 | $730 |
| Annual fee | $150 | $595 |
| Net value | -$50 | +$135 |
You use travel, entertainment & media, transportation. Entertainment & Media and Transportation alone are worth $400 here and nothing on the Delta SkyMiles® Gold American Express Card.
Frequently asked questions
Which is better, Delta SkyMiles® Gold American Express Card or Citi Strata Elite?
The Citi Strata Elite is better with $135 net annual value compared to the Delta SkyMiles® Gold American Express Card at -$50. The Citi Strata Elite wins by $185/year.
What's the difference between Delta SkyMiles® Gold American Express Card and Citi Strata Elite?
The key differences: Citi Strata Elite has a $595 annual fee and $730 in annual benefits, while Delta SkyMiles® Gold American Express Card has a $150 annual fee and $100 in annual benefits. The annual fee difference is $445.
Which has a lower annual fee, Delta SkyMiles® Gold American Express Card or Citi Strata Elite?
The Delta SkyMiles® Gold American Express Card has a lower annual fee at $150 compared to the Citi Strata Elite at $595. However, the Citi Strata Elite offers $730 in total annual benefits.
Is the Citi Strata Elite worth it compared to the Delta SkyMiles® Gold American Express Card?
Yes, the Citi Strata Elite offers better value with $135 net annual value compared to -$50 for the Delta SkyMiles® Gold American Express Card. Even though it has a higher annual fee ($595 vs $150), the Citi Strata Elite provides more total benefits.
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 $100 for the Delta SkyMiles® Gold American Express Card.
Should I get the Citi Strata Elite?
If you're deciding between the Delta SkyMiles® Gold American Express Card 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.