Citi Strata Elite℠ vs Delta SkyMiles® Reserve
Side-by-side comparison
| Citi Strata Elite℠ | Delta SkyMiles® Reserve | |
|---|---|---|
| Annual fee | $595 | $650 |
| Welcome offer | 100,000 ThankYou® Points | |
| Dining | 3x | 1x |
| Groceries | 1x | 1x |
| Gas | 1x | 1x |
| Travel | 12x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $628 | $292 |
| Points type | Transfers to airlines & hotels | Locked to Delta SkyMiles |
| Network | Mastercard | Amex |
*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 household spending, the Citi Strata Elite℠ earns about $628 a year in rewards and the Delta SkyMiles® Reserve about $292, valuing every point at a flat 1 cent. The Citi Strata Elite℠ charges $595, but carries about $735 in annual statement credits that offset it for anyone who uses them. The Delta SkyMiles® Reserve charges $650, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Citi Strata Elite℠ delivers more total value, about $758 a year more for a typical spender, mostly because it earns more where you spend most, on travel and everything else. The bigger difference is the ceiling: the Citi Strata Elite℠ earns points you can move to travel partners for outsized value, while the Delta SkyMiles® Reserve stays locked to a single airline or hotel program. Favor the Citi Strata Elite℠ if you will use travel transfers, the Delta SkyMiles® Reserve if you want simplicity. On the sign-up bonus, the Delta SkyMiles® Reserve currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi Strata Elite℠ if your spending leans toward dining, travel, everything else.