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Side-by-side

Citi Strata Premier Card vs PenFed Power Cash Rewards Visa Signature Card

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the PenFed Power Cash Rewards Visa Signature Card from PenFed at $0/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 Premier Card is the stronger pick today, the sign-up bonus is meaningfully larger ($920 more in estimated value) than the PenFed Power Cash Rewards Visa Signature Card's. Get the Citi Strata Premier Card first; revisit the PenFed Power Cash Rewards Visa Signature Card after you've earned that bonus.

FeatureCiti Strata Premier CardPenFed Power Cash Rewards Visa Signature Card
Annual fee$95$0
Sign-up bonus60,000 bonus points$100 statement credit
Bonus value (est.)$1,020$100
Min spend to unlock bonus$4,000 in 3 mo$1,500 in 3 mo
IssuerCitiPenFed
Card categorytravelcashback
Best earning category (Travel)3x1x
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
    Read the full review
    Citi Strata Premier Card
    $95/yr · 60,000 bonus points
    Read the full review
    PenFed Power Cash Rewards Visa Signature Card
    $0/yr · $100 statement credit

    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: PenFed Power Cash Rewards Visa Signature Card

    Common questions

    Which card has the bigger sign-up bonus, Citi Strata Premier Card or PenFed Power Cash Rewards Visa Signature Card?
    The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus $100 statement credit (~$100) on the PenFed Power Cash Rewards Visa Signature Card.
    Is the Citi Strata Premier Card's $95 annual fee worth it compared to the PenFed Power Cash Rewards Visa Signature Card?
    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 PenFed Power Cash Rewards Visa Signature Card's, pick the one whose perks you'll actually use.
    Can I have both the Citi Strata Premier Card and PenFed Power Cash Rewards Visa Signature Card?
    Yes, since they're from different issuers (Citi and PenFed) 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 PenFed Power Cash Rewards Visa Signature Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: $4,000 spend in 3 months. PenFed Power Cash Rewards Visa Signature Card: $1,500 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.