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Marriott Bonvoy Business American Express Card vs Citi Strata Premier Card

Both are well-respected travel cards. The Marriott Bonvoy Business American Express Card comes from American Express at $125/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 Marriott Bonvoy Business American Express Card is the stronger pick today, the sign-up bonus is meaningfully larger ($780 more in estimated value) than the Citi Strata Premier Card's. Get the Marriott Bonvoy Business American Express Card first; revisit the Citi Strata Premier Card after you've earned that bonus.

FeatureMarriott Bonvoy Business American Express CardCiti Strata Premier Card
Annual fee$125$95
Sign-up bonus150,000 points + $125 statement credit60,000 bonus points
Bonus value (est.)$1,800$1,020
Min spend to unlock bonus$8,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressCiti
Card categoryhoteltravel
Best earning category (Marriott)6x1x
Transfer partnersNoneciti-ty
Headline benefits
  • Annual 35k Free Night Award
  • 15 elite nights/year
  • 6x at Marriott
  • Silver status
  • 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
Marriott Bonvoy Business American Express Card
$125/yr · 150,000 points + $125 statement credit
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus points

Editorial take: Marriott Bonvoy Business American Express Card

The Marriott business card pulls its weight on the annual Free Night cert alone, a 35k cat-property is routinely $250-400/night cash. Add 15 elite night credits and the dining stipend and the $125 fee is easy.

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, Marriott Bonvoy Business American Express Card or Citi Strata Premier Card?
The Marriott Bonvoy Business American Express Card has the bigger bonus, 150,000 points + $125 statement credit, worth roughly $1,800, versus 60,000 bonus points (~$1,020) on the Citi Strata Premier Card.
Is the Marriott Bonvoy Business American Express Card's $125 annual fee worth it compared to the Citi Strata Premier Card?
At $125/yr, the Marriott Bonvoy Business American Express Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Premier Card's, pick the one whose perks you'll actually use.
Can I have both the Marriott Bonvoy 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 Marriott Bonvoy Business American Express Card or the Citi Strata Premier Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Marriott Bonvoy Business American Express Card: $8,000 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.