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Side-by-side
Citi Strata Card vs Citi Strata Premier Card
Both are travel travel cards. The Citi Strata Card comes from Citi at $0/yr; the Citi Strata Premier Card from Citi at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Citi and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Citi Strata Premier Card costs $95 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | Citi Strata Card | Citi Strata Premier Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 20,000 bonus points | 60,000 bonus points |
| Bonus value (est.) | $340 | $1,020 |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | Citi | Citi |
| Card category | travel | travel |
| Best earning category (Citi_travel) | 5x | 1x |
| Transfer partners | None | citi-ty |
| Headline benefits |
|
Read the full review
Citi Strata Card
$0/yr · 20,000 bonus points
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus 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.
Common questions
- Which card has the bigger sign-up bonus, Citi Strata Card or Citi Strata Premier Card?
- The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus 20,000 bonus points (~$340) on the Citi Strata Card.
- Is the Citi Strata Card's $0 annual fee worth it compared to the Citi Strata Premier Card?
- The Citi Strata Card has no annual fee, so the question is whether the Citi Strata Premier Card's $95 fee is justified by its perks. If you'll use enough of the Citi Strata Premier Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Citi Strata Card.
- Can I have both the Citi Strata Card and Citi Strata Premier Card?
- Yes, though both are issued by Citi so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Card or the Citi Strata Premier Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Card: no published min spend. Citi Strata Premier Card: $4,000 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.