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Side-by-side

Citi Strata Premier Card vs Southwest Rapid Rewards Priority

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the Southwest Rapid Rewards Priority from Chase at $229/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureCiti Strata Premier CardSouthwest Rapid Rewards Priority
Annual fee$95$229
Sign-up bonus60,000 bonus points90,000 points
Bonus value (est.)$1,020$840
Min spend to unlock bonus$4,000 in 3 mo$3,000 in 3 mo
IssuerCitiChase
Card categorytravelairline
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
  • 7,500 anniversary points
  • $75 annual travel credit
  • 4 upgraded boardings/year
  • 4x on Southwest
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus points
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 90,000 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: Southwest Rapid Rewards Priority

If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.

Common questions

Which card has the bigger sign-up bonus, Citi Strata Premier Card or Southwest Rapid Rewards Priority?
The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus 90,000 points (~$840) on the Southwest Rapid Rewards Priority.
Is the Citi Strata Premier Card's $95 annual fee worth it compared to the Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority's, pick the one whose perks you'll actually use.
Can I have both the Citi Strata Premier Card and Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: $4,000 spend in 3 months. Southwest Rapid Rewards Priority: $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.