Marriott Bonvoy Brilliant 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. Marriott Bonvoy Brilliant is still the right call if frequent marriott guests — platinum status from spend, free annual night..
Side-by-side
| Criterion | Marriott Bonvoy Brilliant | Citi Strata Premier |
|---|---|---|
| Annual fee | · $650 | $95 |
| Joining fee | = None | = None |
| Top reward rate | · 6% (travel) | 10% (travel) |
| Base reward rate | 2% | · 1% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 95,000 Bonvoy points after $6,000 spend in 6 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
Marriott Bonvoy Brilliant
- 6x Marriott Bonvoy points at Marriott properties
- 3x at restaurants + flights direct
- 2x on everything else
- Marriott Bonvoy Platinum Elite status (with $25K spend)
- 85K-point Free Night Award annually
- $300 dining credit + $25 monthly Marriott credit
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
›Marriott Bonvoy Brilliant 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 Marriott Bonvoy Brilliant 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?
Marriott Bonvoy Brilliant: 95,000 Bonvoy points after $6,000 spend in 6 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.