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Citi Strata Premier Card vs IHG One Rewards Premier

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($700 more in estimated value) than the Citi Strata Premier Card's. Get the IHG One Rewards Premier first; revisit the Citi Strata Premier Card after you've earned that bonus.

FeatureCiti Strata Premier CardIHG One Rewards Premier
Annual fee$95$99
Sign-up bonusNot advertised140,000 bonus points
Bonus value (est.)-$700
Min spend to unlock bonus-$3,000 in 3 mo
IssuerCitiChase
Card categorytravelhotel
Best earning category (Citi_travel_hotel_car_attractions)10x1x
Transfer partnersciti-tyNone
Headline benefits
  • 10x CitiTravel.com hotels/cars/attractions
  • 3x on restaurants, groceries, flights, hotels, gas, EV
  • $100 hotel savings benefit
  • No foreign transaction fees
  • Free night award annually
  • Platinum Elite status
  • 4th night free on awards
  • 10x at IHG properties
Read the full review
Citi Strata Premier Card
$95/yr ·
Read the full review
IHG One Rewards Premier
$99/yr · 140,000 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.

Editorial take: IHG One Rewards Premier

A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.

Common questions

Which card has the bigger sign-up bonus, Citi Strata Premier Card or IHG One Rewards Premier?
The IHG One Rewards Premier has a public bonus (140,000 bonus points, worth roughly $700), while the Citi Strata Premier Card doesn't advertise one right now.
Is the Citi Strata Premier Card's $95 annual fee worth it compared to the IHG One Rewards Premier?
At $95/yr, the Citi Strata Premier Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the IHG One Rewards Premier's, pick the one whose perks you'll actually use.
Can I have both the Citi Strata Premier Card and IHG One Rewards Premier?
Yes, since they're from different issuers (Citi and Chase) 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 Citi Strata Premier Card or the IHG One Rewards Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: no published min spend. IHG One Rewards Premier: $3,000 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.