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

Citi Strata Premier vs. Citi Strata Elite Showdown

The Citi Strata Premier Card earns well, but for $500 more, the Citi Strata Elite Card adds credits and Admirals Club passes — see if the upgrade is worth it.

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: Comparing Citi Strata Premier and Elite cards.

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