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All comparisons
Head-to-head, 2026

Citi Strata Premier U.S. Bank Business Altitude Power

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: U.S. Bank Business Altitude Power

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

U.S. Bank

Business Altitude Power

Annual fee
$195
Network
visa
Welcome value
$750
Min spend
$10,000 / 4mo

Top earning rates

  • 2×all other purchases

Key benefits

  • No Foreign Transaction Fees · $150
  • Free Employee Cards · $100
  • Auto Rental CDW (Secondary) · $75
  • Extended Warranty Protection · $50
  • Travel and Emergency Assistance Services · $25
Full U.S. Bank Business Altitude Power 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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