Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Citi Strata Premier Card vs Free Spirit Travel More World Elite Mastercard

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the Free Spirit Travel More World Elite Mastercard from Bank of Missouri at $79/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 Free Spirit Travel More World Elite Mastercard's. Get the Citi Strata Premier Card first; revisit the Free Spirit Travel More World Elite Mastercard after you've earned that bonus.

FeatureCiti Strata Premier CardFree Spirit Travel More World Elite Mastercard
Annual fee$95$79
Sign-up bonus60,000 bonus points
Bonus value (est.)$1,020-
Min spend to unlock bonus$4,000 in 3 mo-
IssuerCitiBank of Missouri
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
    Free Spirit Travel More World Elite Mastercard
    $79/yr ·

    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: Free Spirit Travel More World Elite Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Citi Strata Premier Card or Free Spirit Travel More World Elite Mastercard?
    The Citi Strata Premier Card has a public bonus (60,000 bonus points, worth roughly $1,020), while the Free Spirit Travel More World Elite Mastercard doesn't advertise one right now.
    Is the Citi Strata Premier Card's $95 annual fee worth it compared to the Free Spirit Travel More World Elite Mastercard?
    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 Free Spirit Travel More World Elite Mastercard's, pick the one whose perks you'll actually use.
    Can I have both the Citi Strata Premier Card and Free Spirit Travel More World Elite Mastercard?
    Yes, since they're from different issuers (Citi and Bank of Missouri) 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 Free Spirit Travel More World Elite Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: $4,000 spend in 3 months. Free Spirit Travel More World Elite Mastercard: no published min spend. 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.