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Side-by-side

Citi Strata Premier Card vs Sephora Visa Credit Card

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the Sephora Visa Credit Card from Comenity 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 ($995 more in estimated value) than the Sephora Visa Credit Card's. Get the Citi Strata Premier Card first; revisit the Sephora Visa Credit Card after you've earned that bonus.

FeatureCiti Strata Premier CardSephora Visa Credit Card
Annual fee$95$0
Sign-up bonus60,000 bonus points25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
Bonus value (est.)$1,020$25
Min spend to unlock bonus$4,000 in 3 mo$0 in 0 mo
IssuerCitiComenity
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
    Sephora Visa Credit Card
    $0/yr · 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase

    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: Sephora Visa Credit Card

    Common questions

    Which card has the bigger sign-up bonus, Citi Strata Premier Card or Sephora Visa Credit Card?
    The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.
    Is the Citi Strata Premier Card's $95 annual fee worth it compared to the Sephora Visa Credit 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 Sephora Visa Credit Card's, pick the one whose perks you'll actually use.
    Can I have both the Citi Strata Premier Card and Sephora Visa Credit Card?
    Yes, since they're from different issuers (Citi and Comenity) 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 Sephora Visa Credit 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. Sephora Visa Credit Card: $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.