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Citi AAdvantage Platinum Select World Elite Mastercard 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. AAdvantage Platinum Select World Elite Mastercard 1.5% 1x base rate

Dining

  1. Strata 3.8% 2x
  2. AAdvantage Platinum Select World Elite Mastercard 2.9% 2x

Groceries

  1. Strata 5.7% 3x
  2. AAdvantage Platinum Select World Elite Mastercard 1.5% 1x base rate

Gas

  1. Strata 5.7% 3x
  2. AAdvantage Platinum Select World Elite Mastercard 2.9% 2x

Flights

  1. AAdvantage Platinum Select World Elite Mastercard 2.9% 2x
  2. Strata 1.9% 1x base rate

Hotels · portal

  1. Strata · Citi Travel 9.5% 5x

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. AAdvantage Platinum Select World Elite Mastercard 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 AAdvantage Platinum Select World Elite Mastercard wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge AAdvantage Platinum Select World Elite Mastercard $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; AAdvantage Platinum Select World Elite Mastercard takes flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata1.9%
DiningStrata3.8%
GroceriesStrata5.7%
GasStrata5.7%
FlightsAAdvantage Platinum Select World Elite Mastercard2.9%
Hotels · portalStrata · Citi Travel9.5%
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. AAdvantage Platinum Select World Elite Mastercard — 1.5%

Dining

  1. Strata — 3.8%
  2. AAdvantage Platinum Select World Elite Mastercard — 2.9%

Groceries

  1. Strata — 5.7%
  2. AAdvantage Platinum Select World Elite Mastercard — 1.5%

Gas

  1. Strata — 5.7%
  2. AAdvantage Platinum Select World Elite Mastercard — 2.9%

Flights

  1. AAdvantage Platinum Select World Elite Mastercard — 2.9%
  2. Strata — 1.9%

Hotels · portal

  1. Strata · Citi Travel — 9.5%

Car rental · portal

  1. Strata · Citi Travel — 9.5%

Attractions · portal

  1. Strata · Citi Travel — 9.5%

Public transit

  1. Strata — 5.7%
  2. AAdvantage Platinum Select World Elite Mastercard — 1.5%
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