pointslip milestomorrow.com

Citi Citi / AAdvantage Business vs Strata

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

Dining

  1. Strata 3.8% 2x
  2. Citi / AAdvantage Business 1.5% 1x base rate

Groceries

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

Gas

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

Phone & internet

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

Flights

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

Hotels · portal

  1. Strata · Citi Travel 9.5% 5x

Car rental

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

Car rental · portal

  1. Strata · Citi Travel 9.5% 5x

Attractions · portal

  1. Strata · Citi Travel 9.5% 5x

Public transit

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

What the numbers are doing

Strata 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 $0 a year, so a thin lead in one category may not cover the difference.

Where they differ: Strata takes everything else, dining, groceries and gas, plus 1 more; Citi / AAdvantage Business takes phone & internet, flights and car rental.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata1.9%
DiningStrata3.8%
GroceriesStrata5.7%
GasStrata5.7%
Phone & internetCiti / AAdvantage Business2.9%
FlightsCiti / AAdvantage Business2.9%
Hotels · portalStrata · Citi Travel9.5%
Car rentalCiti / AAdvantage Business2.9%
Car rental · portalStrata · Citi Travel9.5%
Attractions · portalStrata · Citi Travel9.5%
Public transitStrata5.7%

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

Dining

  1. Strata — 3.8%
  2. Citi / AAdvantage Business — 1.5%

Groceries

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

Gas

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

Phone & internet

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

Flights

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

Hotels · portal

  1. Strata · Citi Travel — 9.5%

Car rental

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

Car rental · portal

  1. Strata · Citi Travel — 9.5%

Attractions · portal

  1. Strata · Citi Travel — 9.5%

Public transit

  1. Strata — 5.7%
  2. Citi / AAdvantage Business — 1.5%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.