Citi Strata Premier Card vs One Key+ Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Strata Premier Card

Citi

No image

One Key+ Card

Wells Fargo

Annual Fee

$95

Welcome Bonus

60,000 Flex point

25,000 Misc Travel

Base Earn Rate

—

Top Earn Categories

10X Hotels

10X Car Rentals

10X Attractions

3X Hotels

3X Expedia Hotels Vrbo

3X Hotels Com

3X Gas Stations

3X Grocery Stores

Network

MASTERCARD

Key Benefits

None

Pros

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

+$100 annual OneKeyCash renewal credit offsets the $0 annual fee (net positive value)
+Strong 3% earning on dining, groceries, gas, and Expedia Group bookings
+Solid 2% base earning on all other purchases
+No foreign transaction fees
+Automatic Gold status with One Key program

Cons

−No airport lounge access included
−Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
−10X portal bonus requires booking through Citi Travel, limiting flexibility
−Welcome bonus lower than competing premium cards (60K vs 75K-90K)
−Points worth less than competitors when redeemed for cash back (1 cent each)

−OneKeyCash is not redeemable for cash - only usable on Expedia, Hotels.com, and Vrbo
−No transfer partners - locked into Expedia Group ecosystem
−Booking through OTAs means missing out on hotel elite benefits and direct booking perks
−No lounge access or premium travel protections
−Relatively new program with less established value compared to Chase/Amex

The Bottom Line

The One Key+ Card has a lower annual fee ($0 vs $95), making it the more accessible option.

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Citi Strata Premier Card — Full Review All Citi Cards

One Key+ Card — Full Review All Wells Fargo Cards

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Citi Strata Premier Card vs One Key+ Card

A detailed side-by-side comparison to help you choose the right card for your spending.