Citi Strata Elite vs Strata Premier
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
- Strata Premier 1.9% 1x base rate
Dining
- Strata Elite 5.7% 3x
- Strata Premier 5.7% 3x
Groceries
- Strata Premier 5.7% 3x
- Strata Elite 2.9% 1.5x base rate
Gas
- Strata Premier 5.7% 3x
- Strata Elite 2.9% 1.5x base rate
Flights
- Strata Premier 5.7% 3x
- Strata Elite 2.9% 1.5x base rate
Flights · portal
- Strata Elite · Citi Travel 11.4% 6x
Hotels
- Strata Premier 5.7% 3x
- Strata Elite 2.9% 1.5x base rate
Hotels · portal
- Strata Elite · Citi Travel 22.8% 12x
- Strata Premier · Citi Travel 19.0% 10x
Car rental · portal
- Strata Elite · Citi Travel 22.8% 12x
- Strata Premier · Citi Travel 19.0% 10x
Attractions · portal
- Strata Elite · Citi Travel 22.8% 12x
- Strata Premier · Citi Travel 19.0% 10x
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Strata Elite $595 and Strata Premier $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: Strata Elite takes everything else; Strata Premier takes groceries, gas, flights and hotels.
| Category | Best card |
|---|---|
| Everything else | Strata Elite2.9% |
| Dining | Strata Elite5.7% |
| Groceries | Strata Premier5.7% |
| Gas | Strata Premier5.7% |
| Flights | Strata Premier5.7% |
| Flights · portal | Strata Elite · Citi Travel11.4% |
| Hotels | Strata Premier5.7% |
| Hotels · portal | Strata Elite · Citi Travel22.8% |
| 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%
- Strata Premier — 1.9%
Dining
- Strata Elite — 5.7%
- Strata Premier — 5.7%
Groceries
- Strata Premier — 5.7%
- Strata Elite — 2.9%
Gas
- Strata Premier — 5.7%
- Strata Elite — 2.9%
Flights
- Strata Premier — 5.7%
- Strata Elite — 2.9%
Flights · portal
- Strata Elite · Citi Travel — 11.4%
Hotels
- Strata Premier — 5.7%
- Strata Elite — 2.9%
Hotels · portal
- Strata Elite · Citi Travel — 22.8%
- Strata Premier · Citi Travel — 19.0%
Car rental · portal
- Strata Elite · Citi Travel — 22.8%
- Strata Premier · Citi Travel — 19.0%
Attractions · portal
- Strata Elite · Citi Travel — 22.8%
- Strata Premier · Citi Travel — 19.0%
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