Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Citi AAdvantage Executive Citi Strata Elite

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Citi Strata Elite

Citi

AAdvantage Executive

Annual fee
$595
Network
mastercard
Welcome value
—
Min spend
$15,000 / 5mo

Top earning rates

  • 12×Eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
  • 5×Eligible American Airlines purchases
  • 4×Eligible American Airlines purchases
  • 1×All other purchases

Key benefits

  • First checked bag free · $140
  • Avis and Budget prepaid rental credit · $120
  • Global Entry or TSA PreCheck application fee credit · $120
  • Monthly Grubhub statement credit · $10
  • Monthly Lyft credit · $10
Full Citi AAdvantage Executive review

Citi

Strata Elite

Annual fee
$145
Network
mastercard
Welcome value
—
Min spend
$6,000 / 3mo

Top earning rates

  • 12×Hotels, Car Rentals, and Attractions · ThankYou® Rewards
  • 6×Air Travel · ThankYou® Rewards
  • 6×Restaurants on Citi Nights® purchases · ThankYou® Rewards
  • 3×Restaurants any other time · ThankYou® Rewards

Key benefits

  • $200 Annual Splurge Credit · $200
  • Citigold Relationship Credit · $145
  • Global Entry or TSA PreCheck Credit · $120
  • $200 Annual Blacklane Credit · $100
  • Priority Pass Select Membership · $0
Full Citi Strata Elite 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