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All comparisons
Head-to-head, 2026

Citi AAdvantage Platinum Select 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 AAdvantage Platinum Select

Citi

AAdvantage Platinum Select

Annual fee
$99
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 2×American Airlines purchases · American Airlines AAdvantage
  • 2×Gas stations · American Airlines AAdvantage
  • 2×Restaurants · American Airlines AAdvantage
  • 1×All other purchases · American Airlines AAdvantage

Key benefits

  • Free first checked bag · $140
  • $125 American Airlines flight discount (Spend Tier) · $125
  • Preferred boarding · $0
  • No foreign transaction fees · $0
  • Citi Entertainment access · $0
Full Citi AAdvantage Platinum Select review

Citi

Strata Elite

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

Top earning rates

  • 12×Hotels, car rentals
  • 6×Air travel
  • 6×Dining
  • 3×Dining

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 · $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