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COMPARE/AMEX DELTA SKYMILES RESERVE BUSINESS VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

American Express Delta SkyMiles Reserve Business or Citi Strata Elite?

Citi Strata Elite returns $135 over its fee and American Express Delta SkyMiles Reserve Business returns $10, so the fee difference comes down to which categories you use.

American Express Delta SkyMiles Reserve Business
American Express Delta SkyMiles Reserve BusinessAmerican Express · $650 fee · 4 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE-$10$640 credits
NET VALUE+$135$730 credits
American Express Delta SkyMiles Reserve Business
AMERICAN EXPRESSAmerican Express Delta SkyMiles Reserve Business
FEE$650
CREDITS$640
NET-$10
Category wins1 of 4
ADDITIONAL BENEFITS
AIRLINE COMPANION CERTIFICATES
Delta First Class Companion Certificate
LOUNGE ACCESS
Centurion Lounge Access
Delta Sky Club Access
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 DELTA SKYMILES RESERVE BUSINESS IF

You use food & dining. Food & Dining alone is worth $240 here and nothing on the Citi Strata Elite.

TAKE THE CITI STRATA ELITE IF

You use travel, transportation, entertainment & media. Entertainment & Media alone is worth $200 here and nothing on the Amex Delta SkyMiles Reserve Business.

Where to use each card

AMEX DELTA SKYMILES RESERVE BUSINESS
🍽️
Resy Credit Restaurants10830 LOCATIONS
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CITI STRATA ELITE

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Frequently asked questions

Which is better, American Express Delta SkyMiles Reserve Business or Citi Strata Elite?

The Citi Strata Elite is better with $135 net annual value compared to the American Express Delta SkyMiles Reserve Business at -$10. The Citi Strata Elite wins by $145/year.

What's the difference between American Express Delta SkyMiles Reserve Business and Citi Strata Elite?

The key differences: American Express Delta SkyMiles Reserve Business has a $650 annual fee and $730 in annual benefits, while Citi Strata Elite has a $595 annual fee and $640 in annual benefits. The annual fee difference is $55.

Which has a lower annual fee, American Express Delta SkyMiles Reserve Business or Citi Strata Elite?

The Citi Strata Elite has a lower annual fee at $595 compared to the American Express Delta SkyMiles Reserve Business at $650. However, the American Express Delta SkyMiles Reserve Business offers $640 in total annual benefits.

Is the Citi Strata Elite worth it compared to the American Express Delta SkyMiles Reserve Business?

Yes, the Citi Strata Elite offers better value with $135 net annual value compared to -$10 for the American Express Delta SkyMiles Reserve Business. 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 $250 for the American Express Delta SkyMiles Reserve Business.

Should I get the Citi Strata Elite?

If you're deciding between the American Express Delta SkyMiles Reserve Business 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

NET VALUE SHOWN FOR EACH
American Express Platinum+$2,109
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Chase Sapphire Reserve+$2,348
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American Express Platinum+$2,109
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Capital One Venture X-$65
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Capital One Venture X-$65
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Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
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Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
VS
Chase United Quest+$456
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American Express Gold+$99
VS
American Express Platinum+$2,109
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MORE AMEX DELTA SKYMILES RESERVE BUSINESS COMPARISONS

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