Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Citi Strata Premier Card $95/yr, SoFi Credit Card $0/yr. Strongest bonus categories: Citi Strata Premier Card on hotels, SoFi Credit Card on travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Citi Strata Premier Card | SoFi Credit Card |
|---|---|---|
| Dining | 3X | 1X |
| Flights | 3X |
The Citi Strata Premier Card wins in 5 of 5 categories. The SoFi Credit Card leads in 0. 3 more categories depend on booking channel or caps.
Hotels
Citi Strata Premier Card earns 10X vs 1X
10X via issuer travel portal
Car Rentals
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; SoFi Credit Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; SoFi Credit Card earns 1X (1X without restrictions)
Dining
Citi Strata Premier Card earns 3X vs 1X
Gas Stations
Citi Strata Premier Card earns 3X vs 1X
Flights
Citi Strata Premier Card earns 3X vs 1X
Grocery Stores
Citi Strata Premier Card earns 3X vs 1X
Travel
Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Citi Strata Premier Card $95/yr, SoFi Credit Card $0/yr — a $95 difference before welcome offers and credits.
| Gas Stations | 3X | 1X |
| Grocery Stores | 3X | 1X |
| Hotels | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Depends: via issuer travel portal; Must book through SoFi Travel portal
SoFi Credit Card earns 3X when conditions are met; Citi Strata Premier Card earns 1X (1X without restrictions)
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Citi Strata Premier Card | SoFi Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $346 Credits (our usable estimate): $125 − Annual fee ($95) Ongoing: $376 Year one: $1,336 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Citi Strata Premier Card | Citi Strata Premier Card |
| Heavy spender: $4,000/month | Rewards: $1,382 Credits (our usable estimate): $125 − Annual fee ($95) Ongoing: $1,412 Year one: $2,372 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Citi Strata Premier Card | Citi Strata Premier Card |
The Citi Strata Premier Card costs $95/yr — that's $95 more than the SoFi Credit Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Citi Strata Premier Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and car rentals and everyday spend.
Get the Citi Strata Premier Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
