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Citi Citi / AAdvantage Business 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 Oct 29

Everything else

  1. Strata Premier 1.9% 1x base rate
  2. Citi / AAdvantage Business 1.5% 1x base rate

Dining

  1. Strata Premier 5.7% 3x
  2. Citi / AAdvantage Business 1.5% 1x base rate

Groceries

  1. Strata Premier 5.7% 3x
  2. Citi / AAdvantage Business 1.5% 1x base rate

Gas

  1. Strata Premier 5.7% 3x
  2. Citi / AAdvantage Business 2.9% 2x

Phone & internet

  1. Citi / AAdvantage Business 2.9% 2x
  2. Strata Premier 1.9% 1x base rate

Flights

  1. Strata Premier 5.7% 3x
  2. Citi / AAdvantage Business 2.9% 2x

Hotels

  1. Strata Premier 5.7% 3x
  2. Citi / AAdvantage Business 1.5% 1x base rate

Hotels · portal

  1. Strata Premier · Citi Travel 19.0% 10x

Car rental

  1. Citi / AAdvantage Business 2.9% 2x
  2. Strata Premier 1.9% 1x base rate

Car rental · portal

  1. Strata Premier · Citi Travel 19.0% 10x

Attractions · portal

  1. Strata Premier · Citi Travel 19.0% 10x

What the numbers are doing

Strata Premier tops everything else at 1.9% only because this table values its points at 1.9 cents each. Value them at one cent and Citi / AAdvantage Business wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Citi / AAdvantage Business $99 and Strata Premier $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Strata Premier takes everything else, dining, groceries and gas, plus 2 more; Citi / AAdvantage Business takes phone & internet and car rental.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata Premier1.9%
DiningStrata Premier5.7%
GroceriesStrata Premier5.7%
GasStrata Premier5.7%
Phone & internetCiti / AAdvantage Business2.9%
FlightsStrata Premier5.7%
HotelsStrata Premier5.7%
Hotels · portalStrata Premier · Citi Travel19.0%
Car rentalCiti / AAdvantage Business2.9%
Car rental · portalStrata Premier · Citi Travel19.0%
Attractions · portalStrata Premier · Citi Travel19.0%

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 Premier — 1.9%
  2. Citi / AAdvantage Business — 1.5%

Dining

  1. Strata Premier — 5.7%
  2. Citi / AAdvantage Business — 1.5%

Groceries

  1. Strata Premier — 5.7%
  2. Citi / AAdvantage Business — 1.5%

Gas

  1. Strata Premier — 5.7%
  2. Citi / AAdvantage Business — 2.9%

Phone & internet

  1. Citi / AAdvantage Business — 2.9%
  2. Strata Premier — 1.9%

Flights

  1. Strata Premier — 5.7%
  2. Citi / AAdvantage Business — 2.9%

Hotels

  1. Strata Premier — 5.7%
  2. Citi / AAdvantage Business — 1.5%

Hotels · portal

  1. Strata Premier · Citi Travel — 19.0%

Car rental

  1. Citi / AAdvantage Business — 2.9%
  2. Strata Premier — 1.9%

Car rental · portal

  1. Strata Premier · Citi Travel — 19.0%

Attractions · portal

  1. Strata Premier · Citi Travel — 19.0%
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