Strata Elite vs Strata Premier

Economics

Annual fee

$595

$95

$500/yr less

Ongoing annual value

$431

$586

$155/yr more

Net value (value − fee)

−$164

$491

$655/yr more

First-year value estimate

$899

$158/yr more

$741

Authorized user fee

$75

$0

$75 less

Sign-up Bonus

Earning

Air Travel booked through Citi Travel

6X9%

—

Dining for purchases authorized Friday 6:00 PM through Saturday 6:00 AM ET, and Saturday 6:00 PM through Sunday 6:00 AM ET (Citi Nights, based on authorization time not posting time)

6X9%

—

Dining

—

3X4.5%

Dining (including delivery services) outside of Citi Nights

3X4.5%

—

EV charging

—

3X4.5%

Flights

—

3X4.5%

Gas Stations

—

3X4.5%

Grocery Stores

—

3X4.5%

Hotels

—

3X4.5%

Attractions booked through Citi Travel

12X18%

10X15%

Car rentals booked through Citi Travel

12X18%

10X15%

Hotels booked through Citi Travel

12X18%

10X15%

All other purchases

1.5X2.2%

1X1.5%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

• Hotel via Citi Travel: $300 (Annual Calendar Year)
• Blacklane: $100 (Semi Annual Calendar Year)
• Splurge: $200 (Annual Calendar Year)
• Global Entry/TSA PreCheck: $120 (Every 4 Years)

• Hotel via Citi Travel: $100 (Annual Calendar Year)

Lounge access

• Priority Pass Select (unlimited)
• Admirals Club (4/yr)

—

Elite status

—

—

Protections

6

6