American Express® Business Platinum vs Citi Strata Premier℠
Side-by-side comparison
| American Express® Business Platinum | Citi Strata Premier℠ | |
|---|---|---|
| Annual fee | $895 | $95 |
| Welcome offer | Up to 300,000 Membership Rewards® Points | 60,000 ThankYou® Points |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 5% | 3% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $642 | $630 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| 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 Platinum earns about $642 a year in rewards and the Citi Strata Premier℠ about $630, valuing every point at a flat 1 cent. The American Express® Business Platinum charges $895, but carries about $1,565 in annual statement credits that offset it for anyone who uses them. The Citi Strata Premier℠ charges $95, which you clear through its rewards and perks. The two are close on value, but the Citi Strata Premier℠ edges ahead by about $6 a year, 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 American Express® Business Platinum currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the American Express® Business Platinum if your spending leans toward travel.