Which card earns more rewards, the Citi Strata Credit Card or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Hilton Honors American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Strata Credit Card or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Hilton Honors American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Strata Credit Card or Hilton Honors American Express Card?

The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Hilton Honors American Express Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Citi Strata Credit Card vs Hilton Honors American Express Card

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.

Citi Strata Credit Card

Citi

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

80,000 Hotel

Earn Rates

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

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

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

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Hilton Honors American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · American Express cards

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.

Citi Strata Credit Card vs Hilton Honors American Express Card

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.

Citi Strata Credit Card

Citi

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

80,000 Hotel

Earn Rates

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

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

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

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Hilton Honors American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · American Express cards

Citi Strata Credit Card vs Hilton Honors American Express Card

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.

Citi Strata Credit Card

Citi

Hilton Honors American Express Card

American Express

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

80,000 Hotel

Earn Rates

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

Benefits & Features

Network

MASTERCARD

AMEX

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

+No annual fee ever
+Automatic Hilton Silver status with 20% bonus points and late checkout
+Path to Gold status after $20,000 annual spend
+Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
+No foreign transaction fees

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

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

Which Card Is Right for You?

Get the Hilton Honors American Express Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Hilton Honors American Express Card earns more with its 3X base rate.

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Hilton Honors American Express Card?: The Hilton Honors American Express Card has a higher base earn rate (3X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Hilton Honors American Express Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Blue Cash Preferred vs Hilton Honors Amex Amex Gold vs Hilton Honors Amex Amex Green vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Hilton Honors American Express Card — Full Review All American Express Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · American Express cards