Citi Citi / AAdvantage Business vs Strata Elite
Both are Citi cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Strata Elite 2.9% 1.5x base rate
- Citi / AAdvantage Business 1.5% 1x base rate
Dining
- Strata Elite 5.7% 3x
- Citi / AAdvantage Business 1.5% 1x base rate
Gas
- Citi / AAdvantage Business 2.9% 2x
- Strata Elite 2.9% 1.5x base rate
Phone & internet
- Citi / AAdvantage Business 2.9% 2x
- Strata Elite 2.9% 1.5x base rate
Flights
- Citi / AAdvantage Business 2.9% 2x
- Strata Elite 2.9% 1.5x base rate
Flights · portal
- Strata Elite · Citi Travel 11.4% 6x
Hotels · portal
- Strata Elite · Citi Travel 22.8% 12x
Car rental
- Citi / AAdvantage Business 2.9% 2x
- Strata Elite 2.9% 1.5x base rate
Car rental · portal
- Strata Elite · Citi Travel 22.8% 12x
Attractions · portal
- Strata Elite · Citi Travel 22.8% 12x
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Citi / AAdvantage Business $99 and Strata Elite $595 a year, so a thin lead in one category may not cover the difference.
Where they differ: Strata Elite takes everything else and dining; Citi / AAdvantage Business takes gas, phone & internet, flights and car rental.
| Category | Best card |
|---|---|
| Everything else | Strata Elite2.9% |
| Dining | Strata Elite5.7% |
| Gas | Citi / AAdvantage Business2.9% |
| Phone & internet | Citi / AAdvantage Business2.9% |
| Flights | Citi / AAdvantage Business2.9% |
| Flights · portal | Strata Elite · Citi Travel11.4% |
| Hotels · portal | Strata Elite · Citi Travel22.8% |
| Car rental | Citi / AAdvantage Business2.9% |
| Car rental · portal | Strata Elite · Citi Travel22.8% |
| Attractions · portal | Strata Elite · Citi Travel22.8% |
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
- Strata Elite — 2.9%
- Citi / AAdvantage Business — 1.5%
Dining
- Strata Elite — 5.7%
- Citi / AAdvantage Business — 1.5%
Gas
- Citi / AAdvantage Business — 2.9%
- Strata Elite — 2.9%
Phone & internet
- Citi / AAdvantage Business — 2.9%
- Strata Elite — 2.9%
Flights
- Citi / AAdvantage Business — 2.9%
- Strata Elite — 2.9%
Flights · portal
- Strata Elite · Citi Travel — 11.4%
Hotels · portal
- Strata Elite · Citi Travel — 22.8%
Car rental
- Citi / AAdvantage Business — 2.9%
- Strata Elite — 2.9%
Car rental · portal
- Strata Elite · Citi Travel — 22.8%
Attractions · portal
- Strata Elite · Citi Travel — 22.8%
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