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Citi Strata 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 1.9% 1x base rate
  2. Strata Premier 1.9% 1x base rate

Dining

  1. Strata Premier 5.7% 3x
  2. Strata 3.8% 2x

Groceries

  1. Strata 5.7% 3x
  2. Strata Premier 5.7% 3x

Gas

  1. Strata 5.7% 3x
  2. Strata Premier 5.7% 3x

Flights

  1. Strata Premier 5.7% 3x
  2. Strata 1.9% 1x base rate

Hotels

  1. Strata Premier 5.7% 3x
  2. Strata 1.9% 1x base rate

Hotels · portal

  1. Strata Premier · Citi Travel 19.0% 10x
  2. Strata · Citi Travel 9.5% 5x

Car rental · portal

  1. Strata Premier · Citi Travel 19.0% 10x
  2. Strata · Citi Travel 9.5% 5x

Attractions · portal

  1. Strata Premier · Citi Travel 19.0% 10x
  2. Strata · Citi Travel 9.5% 5x

Public transit

  1. Strata 5.7% 3x
  2. Strata Premier 1.9% 1x base rate

What the numbers are doing

The table is earn rate only — annual fees are not netted out of it. These cards charge Strata $0 and Strata Premier $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Strata Premier takes dining, flights and hotels; Strata takes public transit.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata1.9%
DiningStrata Premier5.7%
GroceriesStrata5.7%
GasStrata5.7%
FlightsStrata Premier5.7%
HotelsStrata Premier5.7%
Hotels · portalStrata Premier · Citi Travel19.0%
Car rental · portalStrata Premier · Citi Travel19.0%
Attractions · portalStrata Premier · Citi Travel19.0%
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. Strata Premier — 1.9%

Dining

  1. Strata Premier — 5.7%
  2. Strata — 3.8%

Groceries

  1. Strata — 5.7%
  2. Strata Premier — 5.7%

Gas

  1. Strata — 5.7%
  2. Strata Premier — 5.7%

Flights

  1. Strata Premier — 5.7%
  2. Strata — 1.9%

Hotels

  1. Strata Premier — 5.7%
  2. Strata — 1.9%

Hotels · portal

  1. Strata Premier · Citi Travel — 19.0%
  2. Strata · Citi Travel — 9.5%

Car rental · portal

  1. Strata Premier · Citi Travel — 19.0%
  2. Strata · Citi Travel — 9.5%

Attractions · portal

  1. Strata Premier · Citi Travel — 19.0%
  2. Strata · Citi Travel — 9.5%

Public transit

  1. Strata — 5.7%
  2. Strata Premier — 1.9%
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