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Side-by-side

Citi Strata Premier Card vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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 ($1,020 more in estimated value) than the Petal 2 Cash Back, No Fees Visa's. Get the Citi Strata Premier Card first; revisit the Petal 2 Cash Back, No Fees Visa after you've earned that bonus.

FeatureCiti Strata Premier CardPetal 2 Cash Back, No Fees Visa
Annual fee$95$0
Sign-up bonus60,000 bonus pointsNone
Bonus value (est.)$1,020$0
Min spend to unlock bonus$4,000 in 3 mo$0 in 0 mo
IssuerCitiPetal
Card categorytravelcredit-builder
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
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Citi Strata Premier Card or Petal 2 Cash Back, No Fees Visa?
    The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
    Is the Citi Strata Premier Card's $95 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
    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 Petal 2 Cash Back, No Fees Visa's, pick the one whose perks you'll actually use.
    Can I have both the Citi Strata Premier Card and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (Citi and Petal) 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 Petal 2 Cash Back, No Fees Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: $4,000 spend in 3 months. Petal 2 Cash Back, No Fees Visa: $0 in 0 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.