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All comparisons
Head-to-head, 2026

Citi AAdvantage Executive 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 PremierBigger welcome offer: Citi AAdvantage Executive

Citi

AAdvantage Executive

Annual fee
$595
Network
mastercard
Welcome value
$1,250
Min spend
$15,000 / 5mo

Top earning rates

  • 10×Car rentals and hotels · American Airlines AAdvantage
  • 4×American Airlines purchases · American Airlines AAdvantage
  • 1×All other purchases · American Airlines AAdvantage

Key benefits

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

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