All comparisons
Head-to-head, 2026
Bank of America Premium Rewards Citi Strata Premier
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Bank of America
Premium Rewards
- Annual fee
- $95
- Network
- visa
- Welcome value
- $600
- Min spend
- $4,000 / 3mo
Top earning rates
- 2×Travel · Bank of America Premium Rewards points
- 2×Dining · Bank of America Premium Rewards points
- 1.5×All other purchases · Bank of America Premium Rewards points
Key benefits
- Global Entry / TSA PreCheck Fee Credit · $100
- Airline Incidental Credit · $100
- Travel Insurance Protections · $50
- No Foreign Transaction Fees · $30
- Purchase & Return Protections · $25
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
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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