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.
| CATEGORY | BANK OF AMERICA PREMIUM REWARDS | CITI STRATA ELITE |
|---|---|---|
| 🌎Travel | $125 | $500 |
| 🎭Entertainment & Media | — | $200 |
| 🚗Transportation | — | $200 |
| Lounge Access | — | |
| Total credits | $125 | $730 |
| Annual fee | $95 | $595 |
| Net value | +$30 | +$135 |
You use travel, entertainment & media, transportation. Entertainment & Media and Transportation alone are worth $400 here and nothing on the Bank of America Premium Rewards.
Frequently 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.
Should I get the Citi Strata Elite?
If you're deciding between the Bank of America Premium Rewards and Citi Strata Elite, the Citi Strata Elite is the better choice with $135 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.
Other comparisons
NET VALUE SHOWN FOR EACHMORE BANK OF AMERICA PREMIUM REWARDS COMPARISONS
- vs. Amex Business Gold
- vs. Amex Business Platinum
- vs. Amex Delta SkyMiles Reserve
- vs. Amex Delta SkyMiles Reserve Business
- vs. Amex Gold
- vs. Amex Green
- vs. Amex Hilton Honors Aspire
- vs. Amex Marriott Bonvoy Brilliant
- vs. Amex Platinum
- vs. Amex Platinum (Charles Schwab)
- vs. Amex Platinum (Morgan Stanley)
- vs. Delta SkyMiles Gold Business
- vs. Delta SkyMiles Platinum Business
- vs. Delta SkyMiles® Gold American Express Card
- vs. Delta SkyMiles® Platinum American Express Card
- vs. Hilton Honors American Express Business Card
- vs. Hilton Honors American Express Surpass Card
- vs. Bank of America Premium Rewards Elite
- vs. Capital One Venture X
- vs. Capital One Venture X Business
- vs. Hyatt
- vs. Sapphire Preferred
- vs. Sapphire Reserve
- vs. Sapphire Reserve for Business
- vs. United Club
- vs. United Explorer
- vs. United Quest
- vs. IHG One Rewards Business Credit Card
- vs. IHG One Rewards Premier Credit Card
- vs. IHG One Rewards Premier Select Credit Card
- vs. Marriott Bonvoy Boundless
- vs. The Ritz-Carlton Credit Card
- vs. United Business Card
- vs. United Club Business Card
- vs. Citi AAdvantage Executive
- vs. U.S. Bank Altitude Reserve
- vs. Wells Fargo Autograph Journey
MORE CITI STRATA ELITE COMPARISONS
- vs. Amex Business Gold
- vs. Amex Business Platinum
- vs. Amex Delta SkyMiles Reserve
- vs. Amex Delta SkyMiles Reserve Business
- vs. Amex Gold
- vs. Amex Green
- vs. Amex Hilton Honors Aspire
- vs. Amex Marriott Bonvoy Brilliant
- vs. Amex Platinum
- vs. Amex Platinum (Charles Schwab)
- vs. Amex Platinum (Morgan Stanley)
- vs. Delta SkyMiles Gold Business
- vs. Delta SkyMiles Platinum Business
- vs. Delta SkyMiles® Gold American Express Card
- vs. Delta SkyMiles® Platinum American Express Card
- vs. Hilton Honors American Express Business Card
- vs. Hilton Honors American Express Surpass Card
- vs. Bank of America Premium Rewards Elite
- vs. Capital One Venture X
- vs. Capital One Venture X Business
- vs. Hyatt
- vs. Sapphire Preferred
- vs. Sapphire Reserve
- vs. Sapphire Reserve for Business
- vs. United Club
- vs. United Explorer
- vs. United Quest
- vs. IHG One Rewards Business Credit Card
- vs. IHG One Rewards Premier Credit Card
- vs. IHG One Rewards Premier Select Credit Card
- vs. Marriott Bonvoy Boundless
- vs. The Ritz-Carlton Credit Card
- vs. United Business Card
- vs. United Club Business Card
- vs. Citi AAdvantage Executive
- vs. U.S. Bank Altitude Reserve
- vs. Wells Fargo Autograph Journey