Chase
IHG One Rewards Premier Credit Card
Similar Travel profile with a different fee and perk mix.
$99$700 bonus
Compare these cardsBack to cards
Citi
Citi Strata Premier Card
A mid-tier points card with a $95 annual fee and broad category coverage for travel and everyday spending.
Best for TravelBest for DiningBest for GroceriesPointsPersonal cardGood+ credit
Year-one value
$1,978
Balanced assumption model with the welcome offer included.
Ongoing value
$1,278
Rewards plus usable credits minus the annual fee.
Welcome offer
$700
$4,000 in 3 months
Usable credits
$70
Assumes 70% real-world usage.
Modeled on a balanced $2,470/month spend mix, 1.5 cpp point valuation, and 70% credit usage.
Annual fee
$95
Year-one card cost
Credit needed
Good+
Issuer approval tier
Required spend
$4,000 / 3 mos
Welcome-offer threshold
Offsetting credits
~$100/yr
Recurring credits in dataset
Bonus ROI
17.5%
Welcome bonus on required spend
How You Earn
Where this card pays you back
Travel
10 ThankYou Points per $1 on hotels, car rentals, and attractions booked through Citi Travel.
Travel
3 ThankYou Points per $1 on air travel and other hotel purchases.
Dining
3 ThankYou Points per $1 at restaurants.
Groceries
3 ThankYou Points per $1 at supermarkets.
Credits And Perks
What actually offsets the fee
$100 Annual Hotel Benefit
~$100/yrEligible hotel stays booked through Citi Travel can receive a $100 benefit once per calendar year.
Citi Entertainment
Eligible cardholders can access select tickets, experiences, and presales through Citi Entertainment.
