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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 Premier

Bank of America

Premium Rewards Elite

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

Top earning rates

  • 2×Travel and dining purchases
  • 1.5×All other purchases

Key benefits

  • No foreign transaction fees · $0
  • 20% airfare savings on points redemptions · $0
  • Up to four Priority Pass Select memberships · $0
  • Rental-car status upgrades and discounts · $0
  • 24/7 full-service concierge · $0
Full Bank of America Premium Rewards Elite review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Trip Delay Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
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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