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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

  • 10×Hotels and car rentals · American Airlines AAdvantage
  • 4×American Airlines purchases · American Airlines AAdvantage
  • 1×All other purchases · American Airlines AAdvantage

Key benefits

  • Companion Certificate (Spend Tier) · $300
  • First checked bag free · $140
  • Preferred boarding · $0
  • Earn Loyalty Points · $0
  • 25% Inflight Savings · $0
Full Citi AAdvantage Business review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Car rentals · Citi ThankYou Rewards
  • 10×Attractions · Citi ThankYou Rewards
  • 10×Hotels · Citi ThankYou Rewards
  • 3×Hotels · Citi ThankYou Rewards

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.

Get my personal answer