Editorial take: Bank of America Premium Rewards
Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.
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Side-by-side
Bank of America Premium Rewards vs Citi Strata Elite Card
Both are travel travel cards. The Bank of America Premium Rewards comes from Bank of America at $95/yr; the Citi Strata Elite Card from Citi at $595/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Citi Strata Elite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,350 more in estimated value) than the Bank of America Premium Rewards's. Get the Citi Strata Elite Card first; revisit the Bank of America Premium Rewards after you've earned that bonus.
| Feature | Bank of America Premium Rewards | Citi Strata Elite Card |
|---|---|---|
| Annual fee | $95 | $595 |
| Sign-up bonus | Not advertised | 75,000 points |
| Bonus value (est.) | - | $1,350 |
| Min spend to unlock bonus | - | $6,000 in 3 mo |
| Issuer | Bank of America | Citi |
| Card category | travel | travel |
| Transfer partners | None | citi-ty |
| Headline benefits |
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Read the full review
Bank of America Premium Rewards
$95/yr ·
Read the full review
Citi Strata Elite Card
$595/yr · 75,000 points
Editorial take: Citi Strata Elite Card
Citi's premium answer to Amex Platinum + Sapphire Reserve. The 12x on Citi-booked hotels is the best earning rate in the category; the $200 Blacklane and 4 Admirals Club passes are differentiated perks. $595 fee penciled out if you'll actually use the hotel + Splurge credits.
Common questions
- Which card has the bigger sign-up bonus, Bank of America Premium Rewards or Citi Strata Elite Card?
- The Citi Strata Elite Card has a public bonus (75,000 points, worth roughly $1,350), while the Bank of America Premium Rewards doesn't advertise one right now.
- Is the Bank of America Premium Rewards's $95 annual fee worth it compared to the Citi Strata Elite Card?
- At $95/yr, the Bank of America Premium Rewards is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Elite Card's, pick the one whose perks you'll actually use.
- Can I have both the Bank of America Premium Rewards and Citi Strata Elite Card?
- Yes, since they're from different issuers (Bank of America and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bank of America Premium Rewards or the Citi Strata Elite Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bank of America Premium Rewards: no published min spend. Citi Strata Elite Card: $6,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.