American Express Business Green Rewards Card vs Citi Strata℠
Side-by-side comparison
| American Express Business Green Rewards Card | Citi Strata℠ | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 15,000 Membership Rewards points | 20,000 ThankYou® Points ($200 value) |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 1% | 1% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $450 | $510 |
| Points type | Transfers to airlines & hotels | Pools with Citi → transferable |
| Network | Amex | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the American Express Business Green Rewards Card earns about $450 a year in rewards and the Citi Strata℠ about $510, valuing every point at a flat 1 cent. The American Express Business Green Rewards Card charges $95, which you clear through its rewards and perks. The Citi Strata℠ has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Citi Strata℠ delivers more total value, about $155 a year more for a typical spender, mostly because it skips the annual fee the other charges. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Citi Strata℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.