Citi Strata Premier vs. Citi Strata Elite showdown - The Points Guy

Citi Strata Premier vs. Citi Strata Elite

The Citi Strata Premier Card earns well, but for $500 more, the Citi Strata Elite Card adds credits and Admirals Club passes.

Seven years in, my Citi Strata Premier Card continues to punch above its weight class and is often overlooked among other mid-tier travel rewards credit cards.

The Strata Premier provides straightforward value with impeccable earning rates for a low annual fee of $95. On the other hand, the new Strata Elite layers on statement credits and lounge access, including Admirals Club passes, for a $595 annual fee.

see if the upgrade is worth it

Author's summary: Citi Strata Premier vs Elite compared.

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The Points Guy The Points Guy — 2025-10-13