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 Credit Card $0/yr, Citi Strata Premier Card $95/yr. Strongest bonus categories: Citi Strata Credit Card on travel, Citi Strata Premier Card on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Citi Strata Premier Card |
|---|---|---|
| Beauty | 3X | 1X |
| Dining | 2X |
The Citi Strata Credit Card wins in 6 of 9 categories. The Citi Strata Premier Card leads in 3. 4 more categories depend on booking channel or caps.
Travel
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Citi Strata Premier Card earns 1X (1X without restrictions)
Transit
Citi Strata Credit Card earns 3X vs 1X
Top Spend Category
Depends: Must select category at citi.com/selfselect
Citi Strata Credit Card earns 3X when conditions are met; Citi Strata Premier Card earns 1X (1X without restrictions)
Dining
Citi Strata Premier Card earns 3X vs 2X
Beauty
Citi Strata Credit Card earns 3X vs 1X
Fitness
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet
Citi Strata Credit Card earns 3X vs 1X
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Citi Strata Credit Card $0/yr, Citi Strata Premier Card $95/yr — a $95 difference before welcome offers and credits.
| 3X |
| Fitness | 3X | 1X |
| Flights | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 3X |
| Hotels | 1X | 3X |
| Live Entertainment | 3X | 1X |
| Pet | 3X | 1X |
| Streaming | 3X | 1X |
| Top Spend Category | 3X | 1X |
| Transit | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Streaming
Citi Strata Credit Card earns 3X vs 1X
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; Citi Strata Credit Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Citi Strata Credit Card earns 1X (1X without restrictions)
Flights
Citi Strata Premier Card earns 3X vs 1X
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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Citi Strata Credit Card | Citi Strata Premier Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $317 Credits (our usable estimate): $50 − Annual fee ($0) Ongoing: $367 Year one: $687 | Rewards: $346 Credits (our usable estimate): $125 − Annual fee ($95) Ongoing: $376 Year one: $1,336 | Close — depends on how much of the credits you use | Citi Strata Premier Card |
| Heavy spender: $4,000/month | Rewards: $1,267 Credits (our usable estimate): $50 − Annual fee ($0) Ongoing: $1,317 Year one: $1,637 | Rewards: $1,382 Credits (our usable estimate): $125 − Annual fee ($95) Ongoing: $1,412 Year one: $2,372 | Citi Strata Premier Card | Citi Strata Premier Card |
The Citi Strata Premier Card costs $95/yr — that's $95 more than the Citi Strata 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.
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.
