Strata vs Strata Premier

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Strata

Citi

Strata Premier

Citi

Economics

Annual fee

$95/yr less

$95

Ongoing annual value

$299

$586

$287/yr more

Net value (value − fee)

$299

$491

$192/yr more

First-year value estimate

$284

$741

$457/yr more

Foreign transaction fee

None

Sign-up Bonus

Current offer

20K points after $1K spend in the first 3 months

60K points after $4K spend in the first 3 months

Earning

Attractions booked through Citi Travel

5X7.5%

10X15%

Car rentals booked through Citi Travel

5X7.5%

10X15%

Hotels booked through Citi Travel

5X7.5%

10X15%

Flights

—

3X4.5%

Hotels

—

3X4.5%

Self-select category (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores)

3X4.5%

—

Transit

3X4.5%

—

Dining

2X3%

3X4.5%

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

Lyft: $5 (Monthly)

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

Lounge access

—

Elite status

—

Protections

The same on both cards (9)

Authorized user fee

Issuer

Citi

Rewards currency

Citi ThankYou Rewards

Card type

Personal

Network

Mastercard

All other purchases

1X1.5%

EV charging

3X4.5%

Gas Stations

3X4.5%

Grocery Stores

3X4.5%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

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