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Side-by-side
Citi Strata Card vs Southwest Rapid Rewards Priority
Both are well-respected travel cards. The Citi Strata Card comes from Citi at $0/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.
| Feature | Citi Strata Card | Southwest Rapid Rewards Priority |
|---|---|---|
| Annual fee | $0 | $229 |
| Sign-up bonus | 20,000 bonus points | 60,000 points |
| Bonus value (est.) | $340 | $840 |
| Min spend to unlock bonus | - | $2,000 in 3 mo |
| Issuer | Citi | Chase |
| Card category | travel | airline |
| Best earning category (Citi_travel) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
Citi Strata Card
$0/yr · 20,000 bonus points
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 60,000 points
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 Card or Southwest Rapid Rewards Priority?
- The Southwest Rapid Rewards Priority has the bigger bonus, 60,000 points, worth roughly $840, 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 Southwest Rapid Rewards Priority?
- The Citi Strata Card has no annual fee, so the question is whether the Southwest Rapid Rewards Priority's $229 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Priority's benefits to clear $229 in value annually, it's worth it; otherwise stick with the Citi Strata Card.
- Can I have both the Citi Strata 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 Card or the Southwest Rapid Rewards Priority first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Card: no published min spend. Southwest Rapid Rewards Priority: $2,000 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.