Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Hilton Honors American Express Card |
|---|---|---|
| Hilton Properties | 1X | 7X |
| Hilton Hotels Resorts | 1X | 7X |
| Dining | 2X | 5X |
| Grocery Stores | 3X | 5X |
| U.S. Gas Stations | 1X | 5X |
| Cosmetics | 3X |
Network
Key Benefits
Pros
Cons
The Hilton Honors American Express Card wins in 6 of 6 categories. The Citi Strata Credit Card leads in 0.
Grocery Stores
Hilton Honors American Express Card earns 5X vs 3X
Dining
Hilton Honors American Express Card earns 5X vs 2X
Hilton Properties
Hilton Honors American Express Card earns 7X vs 1X
Hilton Hotels Resorts
Hilton Honors American Express Card earns 7X vs 1X
U.S. Gas Stations
Hilton Honors American Express Card earns 5X vs 1X
Everyday purchases
Hilton Honors American Express Card earns 3X on all other spending vs 1X
Get the Hilton Honors American Express Card if you:
For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Hilton Honors American Express Card |
|---|---|---|
| Hilton Properties | 1X | 7X |
| Hilton Hotels Resorts | 1X | 7X |
| Dining | 2X | 5X |
| Grocery Stores | 3X | 5X |
| U.S. Gas Stations | 1X | 5X |
| Cosmetics | 3X |
Network
Key Benefits
Pros
Cons
The Hilton Honors American Express Card wins in 6 of 6 categories. The Citi Strata Credit Card leads in 0.
Grocery Stores
Hilton Honors American Express Card earns 5X vs 3X
Dining
Hilton Honors American Express Card earns 5X vs 2X
Hilton Properties
Hilton Honors American Express Card earns 7X vs 1X
Hilton Hotels Resorts
Hilton Honors American Express Card earns 7X vs 1X
U.S. Gas Stations
Hilton Honors American Express Card earns 5X vs 1X
Everyday purchases
Hilton Honors American Express Card earns 3X on all other spending vs 1X
Get the Hilton Honors American Express Card if you:
For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Hilton Honors American Express Card wins on hilton properties. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Hilton Honors American Express Card |
|---|---|---|
| Hilton Properties | 1X | 7X |
| Hilton Hotels Resorts | 1X | 7X |
| Dining | 2X | 5X |
| Grocery Stores | 3X | 5X |
| U.S. Gas Stations | 1X | 5X |
| Cosmetics | 3X |
Network
Key Benefits
Pros
Cons
The Hilton Honors American Express Card wins in 6 of 6 categories. The Citi Strata Credit Card leads in 0.
Grocery Stores
Hilton Honors American Express Card earns 5X vs 3X
Dining
Hilton Honors American Express Card earns 5X vs 2X
Hilton Properties
Hilton Honors American Express Card earns 7X vs 1X
Hilton Hotels Resorts
Hilton Honors American Express Card earns 7X vs 1X
U.S. Gas Stations
Hilton Honors American Express Card earns 5X vs 1X
Everyday purchases
Hilton Honors American Express Card earns 3X on all other spending vs 1X
Get the Hilton Honors American Express Card if you:
For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| 3X |
| Fitness & Gyms | 3X | 3X |
| Gas Stations | 3X | 3X |
| Live Entertainment | 3X | 3X |
| Pet Stores | 3X | 3X |
| Rotating Category | 3X | 3X |
| Streaming | 3X | 3X |
| Transit | 3X | 3X |
| Everything Else | 1X | 3X |
| 3X |
| Fitness & Gyms | 3X | 3X |
| Gas Stations | 3X | 3X |
| Live Entertainment | 3X | 3X |
| Pet Stores | 3X | 3X |
| Rotating Category | 3X | 3X |
| Streaming | 3X | 3X |
| Transit | 3X | 3X |
| Everything Else | 1X | 3X |
| 3X |
| Fitness & Gyms | 3X | 3X |
| Gas Stations | 3X | 3X |
| Live Entertainment | 3X | 3X |
| Pet Stores | 3X | 3X |
| Rotating Category | 3X | 3X |
| Streaming | 3X | 3X |
| Transit | 3X | 3X |
| Everything Else | 1X | 3X |