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Side-by-side

TAP Miles and Go American Express Card vs Citi Strata Premier Card

Both are well-respected travel cards. The TAP Miles and Go American Express Card comes from Cardless at $79/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 ($1,020 more in estimated value) than the TAP Miles and Go American Express Card's. Get the Citi Strata Premier Card first; revisit the TAP Miles and Go American Express Card after you've earned that bonus.

FeatureTAP Miles and Go American Express CardCiti Strata Premier Card
Annual fee$79$95
Sign-up bonus40,000 bonus miles60,000 bonus points
Bonus value (est.)-$1,020
Min spend to unlock bonus$2,500 in 3 mo$4,000 in 3 mo
IssuerCardlessCiti
Card categoryairlinetravel
Best earning category (Tap_air_portugal)3x1x
Transfer partnersNoneciti-ty
Headline benefits
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
  • 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
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus points

Editorial take: TAP Miles and Go American Express Card

The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

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, TAP Miles and Go American Express Card or Citi Strata Premier Card?
The Citi Strata Premier Card has a public bonus (60,000 bonus points, worth roughly $1,020), while the TAP Miles and Go American Express Card doesn't advertise one right now.
Is the TAP Miles and Go American Express Card's $79 annual fee worth it compared to the Citi Strata Premier Card?
At $79/yr, the TAP Miles and Go 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 TAP Miles and Go American Express Card and Citi Strata Premier Card?
Yes, since they're from different issuers (Cardless 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 TAP Miles and Go American Express Card or the Citi Strata Premier Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. TAP Miles and Go American Express Card: $2,500 spend in 3 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.