Compared from 133 real customer reviews

Citi Strata Premier vs Xoom vs American Express Gold Card

Side by side from 133 real reviews. Every count is the same as on each product’s page.

How the signal works
The signal score

A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.

So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.

61 signal

22 reviews

75% positive

4 reviews

75 signal

107 reviews

In short

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Strong 4x earning on dining and groceries; the annual fee stings and the credits suit city dwellers.

Liked mostreviews mentioning it

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Specs

Type
Travel rewards credit card
Fees
$95 annual fee
Rates & rewards
10x points on hotels, car rentals and attractions via cititravel.com; 3x on air travel, other hotels, restaurants, supermarkets, gas and EV charging
Type
International money transfer (PayPal)
Fees
Fees vary by country, amount and payment method, shown before you send; Xoom also earns on currency exchange
Rates & rewards
Exchange rate shown upfront before you send
Type
Travel rewards charge card
Fees
$325 annual fee
Rates & rewards
4x points at restaurants worldwide (up to $50K a year) and at U.S. supermarkets (up to $25K a year)

More comparisons

Shares count reviews with a clear verdict from the recent window, like each product’s page. Tags are counted over the same reviews. All products