The Bank of America Premium Rewards and Citi Strata Elite are closely matched. Bank of America Premium Rewards wins on 2 categories (60,000 pts signup bonus); Citi Strata Elite wins on 2 (100,000 pts signup bonus). The better pick depends on your spending patterns.
Bank of America Premium Rewards vs Citi Strata Elite
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Bank of America Premium Rewards and Citi Strata Elite are close enough that the better pick depends on where you spend most, how much value you get from perks, and whether you prefer one rewards ecosystem over the other.
Best if your main priority is the larger current welcome offer.
Best if you care most about stronger category earning on everyday spend.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Travel 2x
- Dining 2x
- All Other Purchases 1.5x
- Hotels (Citi Travel) 12x
- Car Rentals (Citi Travel) 12x
- Attractions (Citi Travel) 12x
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
- Hotel Benefit $300
- Splurge Credit $200
- Blacklane Credit $200
- +3 more
- Priority Pass Select
- Hertz Five Star Status
- 25% Points Bonus on Portal Redemptions
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Bank of America Premium Rewards and Citi Strata Elite are closely matched. Bank of America Premium Rewards wins on 2 categories (60,000 pts signup bonus); Citi Strata Elite wins on 2 (100,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, Bank of America Premium Rewards tops out at 2x versus 12x for Citi Strata Elite. Current signup bonus values are roughly $600 for Bank of America Premium Rewards and $15 for Citi Strata Elite. Updated June 4, 2026. Source: https://cardcurator.ai/compare/bank-of-america-premium-rewards-vs-citi-strata-elite
- Bank of America Premium Rewards wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bank of America Premium Rewards reaches 2x; Citi Strata Elite reaches 12x.
- Annual fee: Bank of America Premium Rewards is $95/yr; Citi Strata Elite is $595/yr.
- Current public bonus values are approximately $600 and $15.
Common Questions: Bank of America Premium Rewards vs Citi Strata Elite
Is the Bank of America Premium Rewards or Citi Strata Elite better for dining?
Bank of America Premium Rewards earns 2x on dining; Citi Strata Elite earns 6x on dining. Citi Strata Elite wins for dining.
Which has the higher signup bonus in 2026?
Bank of America Premium Rewards currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Citi Strata Elite offers 100,000 pts signup bonus (spend $6,000 in 3 months). Bank of America Premium Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bank of America Premium Rewards and the Citi Strata Elite?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Premium Rewards is from Bank of America and Citi Strata Elite is from Citi, so they're governed by separate bank policies.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.