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Citi Strata Premier vs Citi Strata Elite

At our sample profile ($31,100/yr spend, only “easy” credits counted), the Citi Strata Premier comes to $2,062 in the first year and $1,042 a year after that; the Citi Strata Elite comes to $1,625 and $350. Annual fees are $95 and $595, against $100 and $730 a year in stated credits. Figures from the issuers’ pages, checked October 23, 2026; your spending will change the result.

Data checked by Chris Manns · Last updated October 23, 2026

	Citi Strata Premier® Card	Citi Strata Elite® Card
Issuer	Citi	Citi
Annual fee	$95	$595
Welcome bonus	60,000 points≈ $1,020after $4,000 in 3 months	75,000 points≈ $1,275after $6,000 in 3 months
Rewards currency	Citi ThankYou Points	Citi ThankYou Points
Value per point	~1.7¢ each, median of 6 published valuations	~1.7¢ each, median of 6 published valuations
Earning	10x Travel booked on the card’s own travel site 3x Flights (booked with the airline), Hotels (booked with the hotel), Dining & takeout, Groceries, Gas & EV charging 1x everything else	12x Travel booked on the card’s own travel site 3x Dining & takeout 1.5x everything else
Fee vs stated credits	$95 vs $100stated credits a year (face value)	$595 vs $730stated credits a year (face value)
Yearly cost after year 1	$95fee − $0 of “easy” credits (our default)	$565fee − $30 of “easy” credits (our default)
Year 2+ value*	$1,042 each year after the first, after the annual fee	$350 each year after the first, after the annual fee
First-year value*	$2,062	$1,625
Credits & perks	Annual Hotel Benefit niche $100/yr · $100 off once per calendar year	Annual Hotel Benefit niche $300/yr · up to $300 off once per calendar year Splurge Credit niche $200/yr · up to $200 per calendar year Blacklane credit niche $200/yr · up to $100 Jan–Jun + $100 Jul–Dec Global Entry / TSA PreCheck / NEXUS application fee credit easy $120 every 4 yrs ≈ $30/yr · up to $120 once every 4 years
Perks (no $ unless the issuer states one)	Points transfer to airline and hotel partners	Priority Pass Select membership ($469/yr issuer-stated) 4 Admirals Club passes each calendar year ($300/yr issuer-stated)
Source	Issuer page	Issuer page

Face value isn’t real value: a credit only saves you money if you’d have spent it anyway. *Year 2+ and first-year values use our sample profile and default credit ticks. Add a third card · How we calculate

Citi Strata Premier vs Citi Strata Elite: quick answers

Which has the bigger welcome bonus, Citi Strata Premier vs Citi Strata Elite?

The Citi Strata Elite has the bigger headline bonus in dollars: 60,000 points (≈$1,020) vs 75,000 points (≈$1,275), at median published point values, checked October 23, 2026.

Which has the lower annual fee?

The Citi Strata Premier: $95 vs $595 a year.

Which costs less after year 1, once credits are counted?

Yearly cost after year 1 (annual fee minus the easy credits we count by default): Citi Strata Premier $95, Citi Strata Elite $565. Tick the credits you’d really use on each card page to get your own figure.