Citi Strata℠ Card vs Hilton Honors American Express Card

Citi Strata℠ CardCiti Strata℠ Card

Citi

Loading...
Hilton Honors American Express CardHilton Honors American Express Card

American Express

Loading...
Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
Hilton Honors Points
Point Value
1.90¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
20,000 ThankYou Points after $1,000 in 90 days
80,000 Hilton Honors Points after $2,000 in 180 days

Effective return by category

CategoryCiti Strata℠ CardHilton Honors American Express Card
Groceries5.70%
3x
2.50%
5x
EV Charging5.70%
3x
1.50%
3x
Gas Stations5.70%
3x
2.50%
5x
Dining & Restaurants3.80%
2x
2.50%
5x
Food Delivery1.90%
1x
2.50%
5x
Everything else1.90%
1x
1.50%
3x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

Ask the Advisor