Perqt AI Wallet logo
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 Premier

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
$4,000 / 3mo

Top earning rates

  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points
  • 3×Gas and EV charging stations · ThankYou Points

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

U.S. Bank

Business Altitude Power

Annual fee
$100
Network
visa
Welcome value
$750
Min spend
$10,000 / 4mo

Top earning rates

  • 6×Prepaid hotel and car rentals
  • 2.5×Mobile wallet and virtual card purchases
  • 2×All purchases

Key benefits

  • Priority Pass Digital membership · $0
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.

Get my personal answer