Is the Citi Strata Premier Card worth the higher annual fee?

The Citi Strata Premier Card costs $95/yr vs $0/yr for the Wyndham Rewards Earner Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.

Which card earns more rewards, the Citi Strata Premier Card or Wyndham Rewards Earner Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi Strata Premier Card or the Wyndham Rewards Earner Card?

Use the spend scenarios on this page: the Wyndham Rewards Earner Card has a lower $0/yr fee; the Citi Strata Premier Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.

Citi Strata Premier Card vs Wyndham Rewards Earner Card

Annual fees: Citi Strata Premier Card $95/yr, Wyndham Rewards Earner Card $0/yr. Strongest bonus categories: Citi Strata Premier Card on hotels, Wyndham Rewards Earner Card on gas stations.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Citi Strata Premier Card Citi · $95/yr	Wyndham Rewards Earner Card Barclays · No annual fee
Annual fee	$95	$0 Lowest
Welcome offerCurrent public offer	60,000 points	Up to 75,000 points
Rewards	Citi ThankYou Rewards	Wyndham Rewards
Foreign transaction fee	None	None
Network	Mastercard World Elite	Visa Signature
Earn ratesPer $1 spent
Dining	3x	3x
Electric Vehicle Charging	1x	3x Highest
Flights	3x Highest	1x
Gas Stations	3x	3x
Grocery Stores	3x	3x
Hotels	3x Highest	1x
Wyndham Vacation Club	1x	3x Highest
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$100 hotel credit	—
Perks & access— means none on record
Hotel status & programs	The Reserve by Citi Travel Luxury Hotel Program	Annual Bonus Automatic Gold Level Benefits!
Airline perks	ThankYou Points Transfer Partners Airlines and Hotels	—
Other perks	Citi Entertainment Presale Tickets and Exclusive Access No Foreign Transaction Fees on International Purchases	Enjoy a Cardmember Booking Discount go free® Faster
Protections & insuranceLimits where published · — means none on record
Trip insurance	Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000 Five Hundred Dollar Trip Delay Protection Coverage · up to $500 Travel Protection Benefits	—
Baggage	Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000	—
Rental car	MasterRental Car Insurance Coverage	—
Purchase & returns	Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000	—
Extended warranty	Extended Warranty Protection Up to Twenty Four Months	—
Other protections	Comprehensive identity theft monitoring Free FICO Score Access Through Your Citi Account	—
Pros & cons
Pros	3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases 10X points on hotels, car rentals, and attractions through Citi Travel portal $95 annual fee with no foreign transaction fees Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic No foreign transaction fees for international purchases	No annual fee makes it easy to keep long-term for status Automatic Gold status for life of card (free Wi-Fi, late checkout) 30,000 point welcome bonus worth up to 4 free nights (up to 75,000 points and 10 free nights with Wyndham spend) 5x points on Wyndham stays - solid for brand loyalists 10% discount when redeeming points for free nights
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 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel	Gold status benefits are basic compared to Platinum or Diamond Anniversary bonus requires $15,000 annual spend (Plus card has no requirement) Only 5x at Wyndham vs 6x with Plus card Only 1x on non-bonus purchases No premium travel protections or lounge access
	Card details	Card details

Citi Strata Premier Card
Citi · $95/yr
Wyndham Rewards Earner Card
Barclays · No annual fee

Overview

Annual fee: Citi Strata Premier Card
$95
Wyndham Rewards Earner Card
$0
Lowest
Welcome offerCurrent public offer: Citi Strata Premier Card
60,000 points
Wyndham Rewards Earner Card
Up to 75,000 points
Rewards: Citi Strata Premier Card
Citi ThankYou Rewards
Wyndham Rewards Earner Card
Wyndham Rewards
Foreign transaction fee: Citi Strata Premier Card
None
Wyndham Rewards Earner Card
None
Network: Citi Strata Premier Card
Mastercard World Elite
Wyndham Rewards Earner Card
Visa Signature

Earn ratesPer $1 spent

Dining: Citi Strata Premier Card
3x
Wyndham Rewards Earner Card
3x
Electric Vehicle Charging: Citi Strata Premier Card
1x
Wyndham Rewards Earner Card
3x
Highest
Flights: Citi Strata Premier Card
3x
Highest
Wyndham Rewards Earner Card
1x
Gas Stations: Citi Strata Premier Card
3x
Wyndham Rewards Earner Card
3x
Grocery Stores: Citi Strata Premier Card
3x
Wyndham Rewards Earner Card
3x
Hotels: Citi Strata Premier Card
3x
Highest
Wyndham Rewards Earner Card
1x
Wyndham Vacation Club: Citi Strata Premier Card
1x
Wyndham Rewards Earner Card
3x
Highest
Everything else: Citi Strata Premier Card
1x
Wyndham Rewards Earner Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Citi Strata Premier Card
$100 hotel credit
Wyndham Rewards Earner Card
—

Perks & access— means none on record

Hotel status & programs: Citi Strata Premier Card
The Reserve by Citi Travel Luxury Hotel Program
Wyndham Rewards Earner Card
Annual Bonus
Automatic Gold Level Benefits!
Airline perks: Citi Strata Premier Card
ThankYou Points Transfer Partners Airlines and Hotels
Wyndham Rewards Earner Card
—
Other perks: Citi Strata Premier Card
Citi Entertainment Presale Tickets and Exclusive Access
No Foreign Transaction Fees on International Purchases
Wyndham Rewards Earner Card
Enjoy a Cardmember Booking Discount
go free® Faster

Protections & insuranceLimits where published · — means none on record

Trip insurance: Citi Strata Premier Card
Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000
Five Hundred Dollar Trip Delay Protection Coverage · up to $500
Travel Protection Benefits
Wyndham Rewards Earner Card
—
Baggage: Citi Strata Premier Card
Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Wyndham Rewards Earner Card
—
Rental car: Citi Strata Premier Card
MasterRental Car Insurance Coverage
Wyndham Rewards Earner Card
—
Purchase & returns: Citi Strata Premier Card
Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Wyndham Rewards Earner Card
—
Extended warranty: Citi Strata Premier Card
Extended Warranty Protection Up to Twenty Four Months
Wyndham Rewards Earner Card
—
Other protections: Citi Strata Premier Card
Comprehensive identity theft monitoring
Free FICO Score Access Through Your Citi Account
Wyndham Rewards Earner Card
—

Pros & cons

Pros: Citi Strata Premier Card
3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases
10X points on hotels, car rentals, and attractions through Citi Travel portal
$95 annual fee with no foreign transaction fees
Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic
No foreign transaction fees for international purchases
Wyndham Rewards Earner Card
No annual fee makes it easy to keep long-term for status
Automatic Gold status for life of card (free Wi-Fi, late checkout)
30,000 point welcome bonus worth up to 4 free nights (up to 75,000 points and 10 free nights with Wyndham spend)
5x points on Wyndham stays - solid for brand loyalists
10% discount when redeeming points for free nights
Cons: Citi Strata Premier Card
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 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel
Wyndham Rewards Earner Card
Gold status benefits are basic compared to Platinum or Diamond
Anniversary bonus requires $15,000 annual spend (Plus card has no requirement)
Only 5x at Wyndham vs 6x with Plus card
Only 1x on non-bonus purchases
No premium travel protections or lounge access

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

Both cards win in 2 categories each — it comes down to which categories matter most to you. 2 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; Wyndham Rewards Earner Card earns 1X (1X without restrictions)

Attractions

Depends: via issuer travel portal

Citi Strata Premier Card earns 10X when conditions are met; Wyndham Rewards Earner Card earns 1X (1X without restrictions)

Flights

Citi Strata Premier Card earns 3X vs 1X

Electric Vehicle Charging

Wyndham Rewards Earner Card earns 3X vs 1X

Wyndham Vacation Club

Wyndham Rewards Earner Card earns 3X vs 1X

Year One vs Ongoing Value

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	Wyndham Rewards Earner Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $346 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $311 Year one: $1,271	Rewards: $151 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $151 Year one: $361	Citi Strata Premier Card	Citi Strata Premier Card
Heavy spender: $4,000/month	Rewards: $1,382 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $1,347 Year one: $2,307	Rewards: $605 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $605 Year one: $815	Citi Strata Premier Card	Citi Strata Premier Card

Is the Fee Difference Worth It?

The Citi Strata Premier Card costs $95/yr — that's $95 more than the Wyndham Rewards Earner 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.

The Bottom Line

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, Wyndham Rewards Earner Card $0/yr — a $95 difference before welcome offers and credits.

Frequently Asked Questions

Is the Citi Strata Premier Card worth the higher annual fee?: The Citi Strata Premier Card costs $95/yr vs $0/yr for the Wyndham Rewards Earner Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
Which card earns more rewards, the Citi Strata Premier Card or Wyndham Rewards Earner Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Citi Strata Premier Card or the Wyndham Rewards Earner Card?: Use the spend scenarios on this page: the Wyndham Rewards Earner Card has a lower $0/yr fee; the Citi Strata Premier Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.

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Official issuer pages: Citi cards · Barclays cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.