Card Comparison
Citi Strata Elite vs Southwest Plus
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$595/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
- Hotels (Citi Travel) 12x
- Car Rentals (Citi Travel) 12x
- Attractions (Citi Travel) 12x
- Southwest Purchases 2x
- Gas Stations and Grocery Stores 2x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
- Hotel Benefit $300
- Splurge Credit $200
- Blacklane Credit $200
- +3 more
None
Card Perks
- Priority Pass Select
- Hertz Five Star Status
- 25% Points Bonus on Portal Redemptions
None listed
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
No transfer partners
Common Questions: Citi Strata Elite vs Southwest Plus
Is the Citi Strata Elite or Southwest Plus better for dining?
Citi Strata Elite earns 6x on dining; Southwest Plus has no dining bonus.
Which has the higher signup bonus in 2026?
Citi Strata Elite currently offers 100,000 pts signup bonus (spend $6,000 in 3 months). Southwest Plus offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest Plus 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 Southwest Plus?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Strata Elite is from Citi and Southwest Plus is from Chase, so they're governed by separate bank policies.