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All comparisons
Head-to-head, 2026

Bank of America Premium Rewards Elite Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata PremierBigger welcome offer: Bank of America Premium Rewards Elite

Bank of America

Premium Rewards Elite

Annual fee
$550
Network
visa
Welcome value
$750
Min spend
$5,000 / 3mo

Top earning rates

  • 2×Travel · Bank of America Premium Rewards
  • 2×Dining · Bank of America Premium Rewards
  • 1.5×All Other Purchases · Bank of America Premium Rewards

Key benefits

  • Airline Incidental Statement Credit · $300
  • Priority Pass Select Memberships · $250
  • Lifestyle Statement Credit · $150
  • Premium Hotel Benefits · $150
  • Global Entry/TSA PreCheck Credit · $100
Full Bank of America Premium Rewards Elite review

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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