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All comparisons
Head-to-head, 2026

Citi AAdvantage Business 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

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
Full Citi AAdvantage Business 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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