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COMPARE/IHG ONE REWARDS PREMIER CREDIT CARD VS CITI STRATA ELITE
FIRST CARD
SECOND CARD

IHG One Rewards Premier Credit Card or Citi Strata Elite?

IHG One Rewards Premier Credit Card returns $270 over its fee and Citi Strata Elite returns $135, so the fee difference comes down to which categories you use.

IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit CardChase · $150 fee · 5 credits
Citi Strata Elite
Citi Strata EliteCiti · $595 fee · 4 credits
NET VALUE+$270$420 credits
NET VALUE+$135$730 credits
BEST NET VALUE
IHG One Rewards Premier Credit Card
CHASEIHG One Rewards Premier Credit Card
FEE$150
CREDITS$420
NET+$270
Category wins1 of 4
ADDITIONAL BENEFITS
HOTEL FREE NIGHT CERTIFICATES
IHG 50k Free Night
Citi Strata Elite
CITICiti Strata Elite
FEE$595
CREDITS$730
NET+$135
Category wins3 of 4
ADDITIONAL BENEFITS
LOUNGE ACCESS
Admirals Club Day Passes
TAKE THE IHG ONE REWARDS PREMIER CREDIT CARD IF

You use food & dining. Food & Dining alone is worth $240 here and nothing on the Citi Strata Elite.

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 IHG One Rewards Premier Credit Card.

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.
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Frequently asked questions

Which is better, IHG One Rewards Premier Credit Card or Citi Strata Elite?

The IHG One Rewards Premier Credit Card is better with $270 net annual value compared to the Citi Strata Elite at $135. The IHG One Rewards Premier Credit Card wins by $135/year.

What's the difference between IHG One Rewards Premier Credit Card and Citi Strata Elite?

The key differences: Citi Strata Elite has a $595 annual fee and $730 in annual benefits, while IHG One Rewards Premier Credit Card has a $150 annual fee and $420 in annual benefits. The annual fee difference is $445.

Which has a lower annual fee, IHG One Rewards Premier Credit Card or Citi Strata Elite?

The IHG One Rewards Premier Credit Card has a lower annual fee at $150 compared to the Citi Strata Elite at $595. However, the Citi Strata Elite offers $730 in total annual benefits.

Is the IHG One Rewards Premier Credit Card worth it compared to the Citi Strata Elite?

Yes, the IHG One Rewards Premier Credit Card offers better value with $270 net annual value compared to $135 for the Citi Strata Elite. It also has a lower annual fee.

Chase vs Citi: which issuer is better?

For these specific cards, Chase's IHG One Rewards Premier Credit Card offers better value with $270 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 $150 for the IHG One Rewards Premier Credit Card.

Should I get the IHG One Rewards Premier Credit Card?

If you're deciding between the IHG One Rewards Premier Credit Card and Citi Strata Elite, the IHG One Rewards Premier Credit Card is the better choice with $270 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 EACH
American Express Platinum+$2,109
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American Express Platinum+$2,109
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Capital One Venture X-$65
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Capital One Venture X-$65
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Chase Sapphire Reserve+$2,348
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American Express Business Platinum+$1,284
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Chase Sapphire Reserve for Business+$1,155
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American Express Delta SkyMiles Reserve-$60
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Chase United Quest+$456
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American Express Gold+$99
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American Express Platinum+$2,109
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MORE IHG ONE REWARDS PREMIER CREDIT CARD COMPARISONS

MORE CITI STRATA ELITE COMPARISONS