Side-by-side comparison
Green Card vs Strata Premier
Basics
Annual fee
$150/yr
$95/yr
Rewards type
Amex Membership Rewards
Citi ThankYou Points
Annual credits
$289/yr
—
Net cost (fee − credits)
$-139/yr
$95/yr
Earning rates
All other spending
1x pts
1x pts
Transit
3x pts
—
Travel
3x pts
—
Dining
3x pts
3x pts
Hotels
—
10x pts
Car Rentals
—
10x pts
Flights
—
3x pts
Groceries
—
3x pts
Gas & EV Charging
—
3x pts
Credits & Benefits
Up to $189 CLEAR+ Credit
$189/yr
—
Up to $100 LoungeBuddy Credit
$100/yr
—
Which card should you pick?
After accounting for credits and benefits, the Green Card has a lower net annual cost ($-139/yr vs $95/yr for the Strata Premier), making it the more cost-effective choice if you use the credits.
The Green Card stands out with 3x pts on transit, 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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