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Side-by-side

Citi Strata Premier Card vs Upgrade Triple Cash Rewards Visa

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the Upgrade Triple Cash Rewards Visa from Upgrade 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 ($820 more in estimated value) than the Upgrade Triple Cash Rewards Visa's. Get the Citi Strata Premier Card first; revisit the Upgrade Triple Cash Rewards Visa after you've earned that bonus.

FeatureCiti Strata Premier CardUpgrade Triple Cash Rewards Visa
Annual fee$95$0
Sign-up bonus60,000 bonus points$200 statement bonus
Bonus value (est.)$1,020$200
Min spend to unlock bonus$4,000 in 3 mo$0 in 2 mo
IssuerCitiUpgrade
Card categorytravelcash-back
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
    Upgrade Triple Cash Rewards Visa
    $0/yr · $200 statement bonus

    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: Upgrade Triple Cash Rewards Visa

    Common questions

    Which card has the bigger sign-up bonus, Citi Strata Premier Card or Upgrade Triple Cash Rewards Visa?
    The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus $200 statement bonus (~$200) on the Upgrade Triple Cash Rewards Visa.
    Is the Citi Strata Premier Card's $95 annual fee worth it compared to the Upgrade Triple Cash Rewards 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 Upgrade Triple Cash Rewards Visa's, pick the one whose perks you'll actually use.
    Can I have both the Citi Strata Premier Card and Upgrade Triple Cash Rewards Visa?
    Yes, since they're from different issuers (Citi and Upgrade) 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 Upgrade Triple Cash Rewards 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. Upgrade Triple Cash Rewards Visa: $0 in 2 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.