Strata Elite vs Strata Premier
Strata Elite
$595/yr
5.5/10
VS
Strata Premier
$95/yr
8.0/10
Quick Answer
Strata Elite charges $595/yr with 1X base rewards. Strata Premier charges $95/yr with 1X base rewards. Strata Premier offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Strata Premier
Lower annual fee ($595 vs $95)
Rewards Earning
Strata Premier
6 earning categories
Benefits & Protection
Strata Premier
6 benefits vs 0
Statement Credits
Strata Elite
$350 in annual credits
Flexibility
Strata Premier
Transferable points to airline/hotel partners
OUR PICK
Strata Premier wins for most people
The $500 fee difference is hard to justify unless you maximize premium benefits.
Apply for Strata PremierPREMIUM PICK
Strata Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Strata EliteRewards Earning: Detailed Comparison
Strata Elite
| Hotels, air travel, restaurants, supermarkets, gas | 3.0X |
| Everything else | 1.0X |
Strata Premier
| Hotels/car rentals via Citi Travel | 10.0X |
| Dining | 3.0X |
| Supermarkets | 3.0X |
| Gas stations | 3.0X |
| Air travel | 3.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Strata Elite (0 benefits)
No benefits data available
Strata Premier (6 benefits)
- Trip Cancellation and Interruption Protection (up to $1,500)
- Trip Delay Protection (up to $500)
- Baggage Delay Protection (up to $100)
- Car Rental Collision Damage Waiver
- Citi Purchase Protection (up to $10,000)
- Extended Warranty