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CardCurator — Rewards Intelligence
Card Comparison

Citi Strata Premier vs Platinum

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
Platinum card art
Navy Federal Credit Union
Platinum
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
None
Top Earn Rates
  • Hotels (Citi Travel) 10x
  • Car Rentals (Citi Travel) 10x
  • Attractions (Citi Travel) 10x
  • All Purchases 1x
Reward Type
miles
credit building
Key Credits
  • Hotel Benefit $100
None
Transfer Partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
No transfer partners
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Common Questions: Citi Strata Premier vs Platinum

Is the Citi Strata Premier or Platinum better for dining?

Citi Strata Premier earns 3x on dining; Platinum 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). Platinum offers no current bonus. 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 Platinum?

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 Platinum is from Navy Federal Credit Union, so they're governed by separate bank policies.