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Citi Strata vs Strata Premier

Both are Citi cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Strata 1.4% 1x base rate
  2. Strata Premier 1.4% 1x base rate

Dining

  1. Strata Premier 4.2% 3x
  2. Strata 2.8% 2x

Groceries

  1. Strata 4.2% 3x
  2. Strata Premier 4.2% 3x

Gas

  1. Strata 4.2% 3x
  2. Strata Premier 4.2% 3x

Flights

  1. Strata Premier 4.2% 3x
  2. Strata 1.4% 1x base rate

Hotels

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata · Citi Travel 7.0% 5x
  3. Strata Premier 4.2% 3x
  4. Strata 1.4% 1x base rate

Car rental

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata · Citi Travel 7.0% 5x
  3. Strata 1.4% 1x base rate
  4. Strata Premier 1.4% 1x base rate

Attractions

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata · Citi Travel 7.0% 5x
  3. Strata 1.4% 1x base rate
  4. Strata Premier 1.4% 1x base rate

Public transit

  1. Strata 4.2% 3x
  2. Strata Premier 1.4% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Strata $0 and Strata Premier $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Strata Premier takes dining, flights, hotels and car rental, plus 1 more; Strata takes public transit.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata1.4%
DiningStrata Premier4.2%
GroceriesStrata4.2%
GasStrata4.2%
FlightsStrata Premier4.2%
HotelsStrata Premier · Citi Travel14.0%
Car rentalStrata Premier · Citi Travel14.0%
AttractionsStrata Premier · Citi Travel14.0%
Public transitStrata4.2%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Strata — 1.4%
  2. Strata Premier — 1.4%

Dining

  1. Strata Premier — 4.2%
  2. Strata — 2.8%

Groceries

  1. Strata — 4.2%
  2. Strata Premier — 4.2%

Gas

  1. Strata — 4.2%
  2. Strata Premier — 4.2%

Flights

  1. Strata Premier — 4.2%
  2. Strata — 1.4%

Hotels

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata · Citi Travel — 7.0%
  3. Strata Premier — 4.2%
  4. Strata — 1.4%

Car rental

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata · Citi Travel — 7.0%
  3. Strata — 1.4%
  4. Strata Premier — 1.4%

Attractions

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata · Citi Travel — 7.0%
  3. Strata — 1.4%
  4. Strata Premier — 1.4%

Public transit

  1. Strata — 4.2%
  2. Strata Premier — 1.4%

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