Citi Strata Elite℠ Card vs Hilton Honors American Express Aspire Card

Citi Strata Elite℠ CardCiti Strata Elite℠ Card

Citi

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Hilton Honors American Express Aspire CardHilton Honors American Express Aspire Card

American Express

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Annual Fee
$595
$550
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
Hilton Honors Points
Point Value
1.90¢/pt
0.50¢/pt
Base Earn Rate
1.5x
3x
Welcome Bonus
75,000 ThankYou Points after $6,000 in 90 days
80,000 Hilton Honors Points after $2,000 in 180 days

Effective return by category

CategoryCiti Strata Elite℠ CardHilton Honors American Express Aspire Card
Card Travel Portals22.80%
12x
1.50%
3x
Dining & Restaurants5.70%
3x
3.50%
7x
Car Rentals2.85%
1.5x
3.50%
7x
Food Delivery2.85%
1.5x
3.50%
7x
Airfare2.85%
1.5x
3.50%
7x
Everything else2.85%
1.5x
1.50%
3x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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