FIRST CARD
VSSECOND CARD
Bank of America Premium Rewards or Citi Strata Elite?
Citi Strata Elite returns $135 over its fee and Bank of America Premium Rewards returns $30, so the fee difference comes down to which categories you use.
Bank of America Premium RewardsBank of America · $95 fee · 2 credits
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$30$125 credits
NET VALUE+$135$730 credits
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | CITI STRATA ELITE |
|---|---|---|
| 🌎Travel | $125 | $500 |
| 🎭Entertainment & Media | — | $200 |
| 🚗Transportation | — | $200 |
| Lounge Access | — |
BEST NET VALUE
FEE$595
CREDITS$730
NET+$135
Category wins3 of 3
ADDITIONAL BENEFITS
LOUNGE ACCESS
TAKE THE CITI STRATA ELITE IF
You use travel, entertainment & media, transportation. Entertainment & Media and Transportation alone are worth $400 here and nothing on the Bank of America Premium Rewards.
Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
Start tracking freeFrequently asked questions
Which is better, Bank of America Premium Rewards or Citi Strata Elite?
The Citi Strata Elite is better with $135 net annual value compared to the Bank of America Premium Rewards at $30. The Citi Strata Elite wins by $105/year.
What's the difference between Bank of America Premium Rewards and Citi Strata Elite?
The key differences: Citi Strata Elite has a $595 annual fee and $730 in annual benefits, while Bank of America Premium Rewards has a $95 annual fee and $125 in annual benefits. The annual fee difference is $500.
Which has a lower annual fee, Bank of America Premium Rewards or Citi Strata Elite?
The Bank of America Premium Rewards has a lower annual fee at $95 compared to the Citi Strata Elite at $595. However, the Citi Strata Elite offers $730 in total annual benefits.
Is the Citi Strata Elite worth it compared to the Bank of America Premium Rewards?
Yes, the Citi Strata Elite offers better value with $135 net annual value compared to $30 for the Bank of America Premium Rewards. Even though it has a higher annual fee ($595 vs $95), the Citi Strata Elite provides more total benefits.
Bank of America vs Citi: which issuer is better?
For these specific cards, Citi's Citi Strata Elite offers better value with $135 net annual value. Consider which issuer's broader ecosystem (transfer partners, redemption options) fits your needs.
Which card is better for travel?
The Citi Strata Elite is better for travel with $500 in annual travel benefits compared to $125 for the Bank of America Premium Rewards.