Amex Business Platinum vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
Citi Strata Premier wins 3-2. Replaces Premier — solid mid-tier travel with hotel-direct boost. Amex Business Platinum is still the right call if us-incorporated startups with $50k+/year corporate spend..
Side-by-side
| Criterion | Amex Business Platinum | Citi Strata Premier |
|---|---|---|
| Annual fee | · $695 | $95 |
| Joining fee | = None | = None |
| Top reward rate | · 5% (travel) | 10% (travel) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 150,000 Membership Rewards points after $20,000 spend in 3 months | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = No waiver | = No waiver |
| Min income | = — | = — |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Amex Business Platinum
- 5x points on flights + prepaid hotels via Amex Travel
- 1.5x on purchases ≥$5,000 (uncapped)
- Centurion + Priority Pass + Delta SkyClub access
- $200 airline fee credit + $200 dell credit + $400 Indeed credit
- Hilton Honors Gold + Marriott Bonvoy Gold
- Generous expense-management features (Vendor Pay)
Citi Strata Premier
- 10x on hotels, car rentals, and attractions via Citi Travel
- 3x at restaurants + supermarkets + gas stations
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
FAQ
›Amex Business Platinum vs Citi Strata Premier: which is better?
Citi Strata Premier wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amex Business Platinum for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amex Business Platinum: 150,000 Membership Rewards points after $20,000 spend in 3 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.