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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.

Bigger welcome offer: Citi AAdvantage Executive

Citi

AAdvantage Executive

Annual fee
$595
Network
mastercard
Welcome value
$980
Min spend
$7,000 / 3mo

Top earning rates

  • 10×Hotels · AAdvantage
  • 10×Car Rentals · AAdvantage
  • 4×American Airlines · AAdvantage
  • 1×all other purchases · AAdvantage

Key benefits

  • Admirals Club Membership · $325
  • First Checked Bag Free · $280
  • Loyalty Point Bonus · $150
  • Avis & Budget Car Rental Credit · $120
  • Global Entry / TSA PreCheck Credit · $100
Full Citi AAdvantage Executive review

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
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.

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