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Side-by-side

Delta SkyMiles Blue Business American Express Card vs Citi Strata Premier Card

Both are well-respected travel cards. The Delta SkyMiles Blue Business American Express Card comes from American Express at $0/yr; the Citi Strata Premier Card from Citi at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Citi Strata Premier Card is the stronger pick today, the sign-up bonus is meaningfully larger ($910 more in estimated value) than the Delta SkyMiles Blue Business American Express Card's. Get the Citi Strata Premier Card first; revisit the Delta SkyMiles Blue Business American Express Card after you've earned that bonus.

FeatureDelta SkyMiles Blue Business American Express CardCiti Strata Premier Card
Annual fee$0$95
Sign-up bonus10,000 Delta SkyMiles60,000 bonus points
Bonus value (est.)$110$1,020
Min spend to unlock bonus$1,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressCiti
Card categorybusinesstravel
Best earning category (Delta)2x1x
Transfer partnersdelta-skymilesciti-ty
Headline benefits
  • $0 annual fee
  • 2X Delta + 2X restaurants
  • 20% off Delta in-flight
  • No foreign transaction fees
  • 10x CitiTravel.com hotels/cars/attractions
  • 3x on restaurants, groceries, flights, hotels, gas, EV
  • $100 hotel savings benefit
  • No foreign transaction fees
Read the full review
Delta SkyMiles Blue Business American Express Card
$0/yr · 10,000 Delta SkyMiles
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus points

Editorial take: Delta SkyMiles Blue Business American Express Card

The $0 annual fee Delta business card. Holds the SkyMiles relationship alive at zero cost and earns 2X on Delta + restaurants. For business owners flying Delta even occasionally, the $150 Gold Business's first-bag-free and 2X shipping/advertising categories usually justify the upgrade.

Editorial take: Citi Strata Premier Card

A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Blue Business American Express Card or Citi Strata Premier Card?
The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus 10,000 Delta SkyMiles (~$110) on the Delta SkyMiles Blue Business American Express Card.
Is the Delta SkyMiles Blue Business American Express Card's $0 annual fee worth it compared to the Citi Strata Premier Card?
The Delta SkyMiles Blue Business American Express Card has no annual fee, so the question is whether the Citi Strata Premier Card's $95 fee is justified by its perks. If you'll use enough of the Citi Strata Premier Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Delta SkyMiles Blue Business American Express Card.
Can I have both the Delta SkyMiles Blue Business American Express Card and Citi Strata Premier Card?
Yes, since they're from different issuers (American Express and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
Should I get the Delta SkyMiles Blue Business American Express Card or the Citi Strata Premier Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Blue Business American Express Card: $1,000 spend in 6 months. Citi Strata Premier Card: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.

Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.