Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Citi Strata Premier vs Navy Federal More Rewards American Express® Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Citi Strata Premier card art
Citi ThankYou Points
Citi Strata Premier
Citi
More Info
Navy Federal More Rewards American Express® Card card art
Navy Federal Credit Union
Navy Federal More Rewards American Express® Card
Navy Federal Credit Union
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
60,000 points
Spend $4,000 in 3 months
20,000 points
Spend $2,000 in 3 months
Top Earn Rates
  • Hotels (Citi Travel) 10x
  • Car Rentals (Citi Travel) 10x
  • Attractions (Citi Travel) 10x
  • Restaraunts 3x
  • Supermarkets 3x
  • Gas Stations 3x
Reward Type
miles
cashback
Key Credits
  • Hotel Benefit $100
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
Cash back only
Open full comparison tool Compare more cards

Common Questions: Citi Strata Premier vs Navy Federal More Rewards American Express® Card

Is the Citi Strata Premier or Navy Federal More Rewards American Express® Card better for dining?

Citi Strata Premier earns 3x on dining; Navy Federal More Rewards American Express® Card has no dining bonus.

Which has the higher signup bonus in 2026?

Citi Strata Premier currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Navy Federal More Rewards American Express® Card offers 20,000 pts signup bonus (spend $2,000 in 3 months). Citi Strata Premier 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 Premier and the Navy Federal More Rewards American Express® Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Strata Premier is from Citi and Navy Federal More Rewards American Express® Card is from Navy Federal Credit Union, so they're governed by separate bank policies.