Strata vs Strata Premier
Strata
$0/yr
7.0/10
VS
Strata Premier
$95/yr
8.0/10
Quick Answer
Strata charges no annual fee with 1X base rewards. Strata Premier charges $95/yr with 1X base rewards. Strata 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
Lower annual fee ($0 vs $95)
Rewards Earning
Strata Premier
6 earning categories
Benefits & Protection
Strata Premier
6 benefits vs 0
Flexibility
Strata Premier
Transferable points to airline/hotel partners
OUR PICK
Strata wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for StrataPREMIUM PICK
Strata Premier wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Strata PremierRewards Earning: Detailed Comparison
Strata
| 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 (0 benefits)
See full review for benefits details.
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