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Citi Strata Card vs Lowe's Business Rewards Card from American Express
Both are well-respected travel cards. The Citi Strata Card comes from Citi at $0/yr; the Lowe's Business Rewards Card from American Express from American Express at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Citi Strata Card | Lowe's Business Rewards Card from American Express |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 20,000 bonus points | $100 statement credit |
| Bonus value (est.) | $340 | $100 |
| Min spend to unlock bonus | - | $1,000 in 3 mo |
| Issuer | Citi | American Express |
| Card category | travel | business |
| Best earning category (Citi_travel) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Citi Strata Card
$0/yr · 20,000 bonus points
Read the full review
Lowe's Business Rewards Card from American Express
$0/yr · $100 statement credit
Editorial take: Lowe's Business Rewards Card from American Express
Common questions
- Which card has the bigger sign-up bonus, Citi Strata Card or Lowe's Business Rewards Card from American Express?
- The Citi Strata Card has the bigger bonus, 20,000 bonus points, worth roughly $340, versus $100 statement credit (~$100) on the Lowe's Business Rewards Card from American Express.
- Is the Citi Strata Card's $0 annual fee worth it compared to the Lowe's Business Rewards Card from American Express?
- The Citi Strata Card has no annual fee, so the question is whether the Lowe's Business Rewards Card from American Express's $0 fee is justified by its perks. If you'll use enough of the Lowe's Business Rewards Card from American Express's benefits to clear $0 in value annually, it's worth it; otherwise stick with the Citi Strata Card.
- Can I have both the Citi Strata Card and Lowe's Business Rewards Card from American Express?
- Yes, since they're from different issuers (Citi and American Express) 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 Citi Strata Card or the Lowe's Business Rewards Card from American Express first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Card: no published min spend. Lowe's Business Rewards Card from American Express: $1,000 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.