CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The Citi Strata Credit Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Citi Strata Premier Card |
|---|---|---|
| Cosmetics | 3X | 1X |
The Citi Strata Credit Card wins in 7 of 10 categories. The Citi Strata Premier Card leads in 3.
Transit
Citi Strata Credit Card earns 3X vs 1X
Rotating Category
Citi Strata Credit Card earns 3X vs 1X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 1X
The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Citi Strata Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Citi Strata Credit Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Citi Strata Premier Card |
|---|---|---|
| Cosmetics | 3X | 1X |
The Citi Strata Credit Card wins in 7 of 10 categories. The Citi Strata Premier Card leads in 3.
Transit
Citi Strata Credit Card earns 3X vs 1X
Rotating Category
Citi Strata Credit Card earns 3X vs 1X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 1X
The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Citi Strata Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The Citi Strata Credit Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Citi Strata Premier Card |
|---|---|---|
| Cosmetics | 3X | 1X |
The Citi Strata Credit Card wins in 7 of 10 categories. The Citi Strata Premier Card leads in 3.
Transit
Citi Strata Credit Card earns 3X vs 1X
Rotating Category
Citi Strata Credit Card earns 3X vs 1X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 1X
The Citi Strata Credit Card has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Citi Strata Credit Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| Dining | 2X | 3X |
| Fitness & Gyms | 3X | 1X |
| Flights | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 3X |
| Hotels | 1X | 3X |
| Live Entertainment | 3X | 1X |
| Pet Stores | 3X | 1X |
| Rotating Category | 3X | 1X |
| Streaming | 3X | 1X |
| Transit | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Flights
Citi Strata Premier Card earns 3X vs 1X
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: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the Citi Strata Credit Card if you:
| Dining | 2X | 3X |
| Fitness & Gyms | 3X | 1X |
| Flights | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 3X |
| Hotels | 1X | 3X |
| Live Entertainment | 3X | 1X |
| Pet Stores | 3X | 1X |
| Rotating Category | 3X | 1X |
| Streaming | 3X | 1X |
| Transit | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Flights
Citi Strata Premier Card earns 3X vs 1X
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: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the Citi Strata Credit Card if you:
| Dining | 2X | 3X |
| Fitness & Gyms | 3X | 1X |
| Flights | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 3X | 3X |
| Hotels | 1X | 3X |
| Live Entertainment | 3X | 1X |
| Pet Stores | 3X | 1X |
| Rotating Category | 3X | 1X |
| Streaming | 3X | 1X |
| Transit | 3X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Flights
Citi Strata Premier Card earns 3X vs 1X
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: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the Citi Strata Credit Card if you:
