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COMPARE/HILTON HONORS AMERICAN EXPRESS SURPASS CARD VS CITI STRATA ELITE
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Hilton Honors American Express Surpass Card or Citi Strata Elite?

Citi Strata Elite returns $135 over its fee and Hilton Honors American Express Surpass Card returns $50, so the fee difference comes down to which categories you use.

Hilton Honors American Express Surpass Card
Hilton Honors American Express Surpass CardAmerican Express · $150 fee · 1 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$50$200 credits
NET VALUE+$135$730 credits
Hilton Honors American Express Surpass Card
AMERICAN EXPRESSHilton Honors American Express Surpass Card
FEE$150
CREDITS$200
NET+$50
Category wins0 of 3
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
Hilton Surpass Free Night
BEST NET VALUE
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins3 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Day Passes
TAKE THE CITI STRATA ELITE IF

You use travel, entertainment & media, transportation. Entertainment & Media and Transportation alone are worth $400 here and nothing on the Hilton Honors American Express Surpass Card.

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, Hilton Honors American Express Surpass Card or Citi Strata Elite?

The Citi Strata Elite is better with $135 net annual value compared to the Hilton Honors American Express Surpass Card at $50. The Citi Strata Elite wins by $85/year.

What's the difference between Hilton Honors American Express Surpass Card and Citi Strata Elite?

The key differences: Citi Strata Elite has a $595 annual fee and $730 in annual benefits, while Hilton Honors American Express Surpass Card has a $150 annual fee and $200 in annual benefits. The annual fee difference is $445.

Which has a lower annual fee, Hilton Honors American Express Surpass Card or Citi Strata Elite?

The Hilton Honors American Express Surpass 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 Hilton Honors American Express Surpass Card?

Yes, the Citi Strata Elite offers better value with $135 net annual value compared to $50 for the Hilton Honors American Express Surpass 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 $200 for the Hilton Honors American Express Surpass Card.

Should I get the Citi Strata Elite?

If you're deciding between the Hilton Honors American Express Surpass 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.

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MORE HILTON HONORS AMERICAN EXPRESS SURPASS CARD COMPARISONS

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