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: too close to call (under 3 pts). Scores: Marriott Bonvoy Bevy Amex 65.7%, Citi Strata Premier 68.3%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Marriott Bonvoy Bevy Amex nets $76/yr, Citi Strata Premier nets $399/yr after annual fees. Use your own numbers →
Annual fee $250 (CFPB TCCP; issuer page did not render a clear fee)APR 19.74%–28.74% variableRewards 2% base; 4% dining (to $15,000/yr); 4% groceries (to $15,000/yr)Credit 720+ (CFPB TCCP targeted tiers)
⚠ $250 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 28.74% if you carry a balance · Penalty APR Prime + 26.74% (variable)
⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Marriott Bonvoy Bevy Amex or Citi Strata Premier?
On VaultRubric's rubric: too close to call. 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.