Side-by-side comparison
Gold Card vs Strata Premier
Basics
Annual fee
$325/yr
$95/yr
Rewards type
Amex Membership Rewards
Citi ThankYou Points
Annual credits
$424/yr
—
Net cost (fee − credits)
$-99/yr
$95/yr
Earning rates
All other spending
1x pts
1x pts
Dining
4x pts
3x pts
Groceries
4x pts
3x pts
Flights
3x pts
3x pts
Hotels
2x pts
10x pts
Car Rentals
—
10x pts
Gas & EV Charging
—
3x pts
Credits & Benefits
Up to $120 Dining Credit
$120/yr
—
Up to $100 Resy Credit
$50/yr
—
Up to $84 Dunkin' Credit
$84/yr
—
Up to $120 Uber Cash
$120/yr
—
Which card should you pick?
After accounting for credits and benefits, the Gold Card has a lower net annual cost ($-99/yr vs $95/yr for the Strata Premier), making it the more cost-effective choice if you use the credits.
The Gold Card stands out with 4x pts on dining, while the Strata Premier leads with 10x pts on hotels. Pick the card that matches where you spend the most each month.
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