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Side-by-side

Citi Strata Premier Card vs USAA Rewards Visa Signature

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the USAA Rewards Visa Signature from USAA 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 USAA Rewards Visa Signature's. Get the Citi Strata Premier Card first; revisit the USAA Rewards Visa Signature after you've earned that bonus.

FeatureCiti Strata Premier CardUSAA Rewards Visa Signature
Annual fee$95$0
Sign-up bonus60,000 bonus points2,500 USAA Rewards points
Bonus value (est.)$1,020$25
Min spend to unlock bonus$4,000 in 3 mo$0 in 0 mo
IssuerCitiUSAA
Card categorytravelrewards
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
    USAA Rewards Visa Signature
    $0/yr · 2,500 USAA Rewards 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: USAA Rewards Visa Signature

    Common questions

    Which card has the bigger sign-up bonus, Citi Strata Premier Card or USAA Rewards Visa Signature?
    The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus 2,500 USAA Rewards points (~$25) on the USAA Rewards Visa Signature.
    Is the Citi Strata Premier Card's $95 annual fee worth it compared to the USAA Rewards Visa Signature?
    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 USAA Rewards Visa Signature's, pick the one whose perks you'll actually use.
    Can I have both the Citi Strata Premier Card and USAA Rewards Visa Signature?
    Yes, since they're from different issuers (Citi and USAA) 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 USAA Rewards Visa Signature first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: $4,000 spend in 3 months. USAA Rewards Visa Signature: $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.