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All comparisons
Head-to-head, 2026

Chase British Airways Visa Signature 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

Chase

British Airways Visa Signature

Annual fee
$150
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 3×Eligible British Airways, Aer Lingus, Iberia, and LEVEL flight purchases
  • 2×Hotel accommodations purchased directly with the hotel
  • 1×All other purchases

Key benefits

  • Reward Flight statement credits · $600
  • Travel Together Ticket (Spend Tier) · $400
  • DoorDash non-restaurant quarterly discount · $10
  • 10% off British Airways flights · $0
  • Baggage Delay Insurance · $0
Full Chase British Airways Visa Signature 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
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $0
  • Trip Cancellation and Interruption Insurance · $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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