Bank of America® Premium Rewards® Credit Card vs Citi Strata Premier℠ Card

Bank of America® Premium Rewards® Credit CardBank of America® Premium Rewards® Credit Card

Bank of America

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Citi Strata Premier℠ CardCiti Strata Premier℠ Card

Citi

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Bank of America Points
ThankYou Points
Point Value
1.00¢/pt
1.90¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
60,000 Bank of America Points after $4,000 in 90 days
60,000 ThankYou Points after $4,000 in 90 days

Effective return by category

CategoryBank of America® Premium Rewards® Credit CardCiti Strata Premier℠ Card
Airfare1.50%
1.5x
5.70%
3x
Hotels & Lodging1.50%
1.5x
5.70%
3x
Dining & Restaurants2.00%
2x
5.70%
3x
Groceries1.50%
1.5x
5.70%
3x
Gas Stations1.50%
1.5x
5.70%
3x
EV Charging1.50%
1.5x
5.70%
3x
Travel2.00%
2x
1.90%
1x
Everything else1.50%
1.5x
1.90%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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