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CitiBusiness / AAdvantage Platinum Select Mastercard vs Citi Strata Premier Card
Both are travel travel cards. The CitiBusiness / AAdvantage Platinum Select Mastercard comes from Citi at $0/yr; the Citi Strata Premier Card from Citi at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Citi and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Citi Strata Premier Card costs $95 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | CitiBusiness / AAdvantage Platinum Select Mastercard | Citi Strata Premier Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | Not advertised | 60,000 bonus points |
| Bonus value (est.) | - | $1,020 |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | Citi | Citi |
| Card category | travel | travel |
| Best earning category (Travel) | 2x | 3x |
| Transfer partners | aadvantage | citi-ty |
| Headline benefits |
|
Read the full review
CitiBusiness / AAdvantage Platinum Select Mastercard
$0/yr ·
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus points
Editorial take: Citi Strata Premier Card
A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.
Common questions
- Which card has the bigger sign-up bonus, CitiBusiness / AAdvantage Platinum Select Mastercard or Citi Strata Premier Card?
- The Citi Strata Premier Card has a public bonus (60,000 bonus points, worth roughly $1,020), while the CitiBusiness / AAdvantage Platinum Select Mastercard doesn't advertise one right now.
- Is the CitiBusiness / AAdvantage Platinum Select Mastercard's $0 annual fee worth it compared to the Citi Strata Premier Card?
- The CitiBusiness / AAdvantage Platinum Select Mastercard has no annual fee, so the question is whether the Citi Strata Premier Card's $95 fee is justified by its perks. If you'll use enough of the Citi Strata Premier Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the CitiBusiness / AAdvantage Platinum Select Mastercard.
- Can I have both the CitiBusiness / AAdvantage Platinum Select Mastercard and Citi Strata Premier Card?
- Yes, though both are issued by Citi so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 CitiBusiness / AAdvantage Platinum Select Mastercard or the Citi Strata Premier Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. CitiBusiness / AAdvantage Platinum Select Mastercard: no published min spend. Citi Strata Premier Card: $4,000 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.