All comparisons
Head-to-head, 2026
Citi AAdvantage Business Citi Strata Elite
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Citi
AAdvantage Business
- Annual fee
- $595
- Network
- mastercard
- Welcome value
- —
- Min spend
- —
Top earning rates
- 4×eligible American Airlines purchases · American Airlines AAdvantage
- 1×all other purchases · American Airlines AAdvantage
Key benefits
- First checked bag free · $400
- Companion Certificate (Spend Tier) · $300
- Earn Loyalty Points on Spend · $200
- 1x Base Earning Rate · $172
- Preferred boarding · $100
Citi
Strata Elite
- Annual fee
- $595
- Network
- mastercard
- Welcome value
- $750
- Min spend
- $6,000 / 3mo
Top earning rates
- 12×hotels · Citi ThankYou Points
- 12×car rentals · Citi ThankYou Points
- 6×flights · Citi ThankYou Points
- 6×dining · Citi ThankYou Points
Key benefits
- Citigold Private Client Relationship Credit · $595
- $300 Annual Travel Credit · $300
- Annual Hotel Benefit · $300
- Priority Pass Select Membership · $250
- Annual Splurge Credit · $200
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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