Choosing between the Citi Strata Elite Card ($595/yr) and the Citi Strata Premier Card ($95/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Strongest in travel at 6% via portal. 12x on hotels/car rentals via Citi Travel, 6x on flights via Citi Travel, 3x on dining. Earns a solid 1.5% on everything else.
Perfect if: You maximize portal bookings and want premium perks to offset the fee.
Apply NowStrongest in travel at 3%. 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Citi Strata Elite Card | Citi Strata Premier Card |
|---|---|---|
| Annual Fee | $595 | $95 |
| Sign-Up Bonus | 75,000 points after $6,000 spend in 3 months | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | <strong>1.5%</strong> | 1.0% |
| Travel Rewards | <strong>6%</strong> | 3% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | 1.5% | <strong>3%</strong> |
| Gas Rewards | 1.5% | <strong>3%</strong> |
| Key Benefits | 12x on hotels/car rentals via Citi Travel, 6x on flights via Citi Travel, 3x on dining. | 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging. |
Citi Strata Elite Card pulls ahead for travel spending.
Citi Strata Premier Card wins on groceries, gas.
The $500/year fee difference means Citi Strata Elite Card needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.