Rubric ☰ Compare Categories Calculators Markets Ask How scoring works Home › Credit cards › Compare › Amex Gold vs Citi Strata Premier
Amex Gold vs Citi Strata Premier Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Citi Strata Premier leads by 6.9 pts. Scores: Amex Gold 61.4%, Citi Strata Premier 68.3%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Amex Gold nets $229/yr , Citi Strata Premier nets $399/yr after annual fees. Use your own numbers →
Criterion scores (0–10) Annual fee Gold: 5.0 · Premier: 8.0 Rewards rate Gold: 6.0 · Premier: 6.5 Sign-up bonus Gold: n/a · Premier: 8.0 Intro 0% APR Gold: 0.0 · Premier: 0.0 Regular APR Gold: 7.0 · Premier: 7.3 Foreign transaction fee Gold: 10.0 · Premier: 10.0 Regulatory record (CFPB) Gold: 10.0 · Premier: 8.0 Amex Gold Issuer American Express Type travel Annual fee $325 americanexpress.com, 2026-10-11 Regular purchase APR 19.74%–28.74% variable americanexpress.com, 2026-10-11 Rewards 4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flights americanexpress.com, 2026-10-11 Sign-up bonus (≈$) not found americanexpress.com, 2026-10-11 Intro APR none Charge card with Pay Over Time; no intro APR offer americanexpress.com, 2026-10-11 Foreign transaction fee none Foreign Transaction: None americanexpress.com, 2026-10-11 Penalty APR Prime + 26.74% Variable: Prime Rate + 26.74% per Amex agreement rate table consumerfinance.gov, 2026-06-30 Late fee up to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee not found files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 25 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.49% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 19.49%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Citi Strata Premier Issuer Citi Type travel Annual fee $95 citi.com, 2026-10-11 Regular purchase APR 19.74%–27.74% variable citi.com, 2026-10-11 Rewards 10x Citi Travel hotels/cars/attractions; 3x air, hotels, restaurants, supermarkets, gas/EV; 1x other citi.com, 2026-10-11 Sign-up bonus (≈$) $600 60,000 points after $4,000 in 3 months citi.com, 2026-10-11 Intro APR none No intro APR offer shown citi.com, 2026-10-11 Foreign transaction fee none citi.com, 2026-10-11 Penalty APR up to 29.99% up to; may apply after a late or returned payment citi.com, 2026-10-12 Late fee up to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31 Balance transfer fee 5% files.consumerfinance.gov, 2025-12-31 Cash advance fee 5% files.consumerfinance.gov, 2025-12-31 Credit needed 620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31 Grace period 23 days files.consumerfinance.gov, 2025-12-31 Cash advance APR 29.74% files.consumerfinance.gov, 2025-12-31 CFPB survey APR (2025-12-31) 19.49%–27.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer Downsides American Express · travel Annual fee $325 APR 19.74%–28.74% variable Rewards 4x restaurants (up to $50k) & U.S. supermarkets (up to $25k); 5x prepaid hotels via AmexTravel; 3x flights Credit 720+ (CFPB TCCP targeted tiers)
⚠ $325 annual fee · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)
Citi · travel Annual fee $95 APR 19.74%–27.74% variable Rewards 10x Citi Travel hotels/cars/attractions; 3x air, hotels, restaurants, supermarkets, gas/EV; 1x other Credit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%
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FAQ Which is better, Amex Gold or Citi Strata Premier? On VaultRubric's rubric: Citi Strata Premier scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.