The Citi Strata Elite edges out the Citi Strata Premier for most cardholders — it wins on 3 of 4 comparison categories and offers 100,000 pts signup bonus earns more (up to 12x vs 10x). The Citi Strata Premier is the better choice if you want no or lower annual fee.
Citi Strata Elite vs Citi Strata Premier
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Hotels (Citi Travel) 12x
- Car Rentals (Citi Travel) 12x
- Attractions (Citi Travel) 12x
- Hotels (Citi Travel) 10x
- Car Rentals (Citi Travel) 10x
- Attractions (Citi Travel) 10x
- Hotel Benefit $300
- Splurge Credit $200
- Blacklane Credit $200
- +3 more
- Hotel Benefit $100
- 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
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
Common Questions: Citi Strata Elite vs Citi Strata Premier
Is the Citi Strata Elite or Citi Strata Premier better for dining?
Citi Strata Elite earns 6x on dining; Citi Strata Premier earns 3x on dining. Citi Strata Elite wins for dining.
Which has the higher signup bonus in 2026?
Citi Strata Elite currently offers 100,000 pts signup bonus (spend $6,000 in 3 months). Citi Strata Premier offers 60,000 pts signup bonus (spend $4,000 in 3 months). Citi Strata Elite 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 Citi Strata Elite and the Citi Strata Premier?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.