Bank of America Customized Cash Rewards credit card vs. Citi Strata Premier Card
On the criteria below, Citi Strata Premier Card wins 4 of 5. The verdict depends on which criteria matter to you.
Bank of America Customized Cash Rewards credit card
Bank of America
Citi Strata Premier Card
Citi
Citi Strata Premier Card wins 4 of 5 criteria here, making it the stronger all-rounder.
Bank of America Customized Cash Rewards credit card wins on annual fee; Citi Strata Premier Card wins on first-year math, earning ceiling, travel insurance, and foreign transactions.
Pick the Citi Strata Premier Card if year-one math is your priority; take the Bank of America Customized Cash Rewards credit card if you want a cheaper card to keep long-term.
Who wins what
1 vs 4- First-year math Citi Strata Premier Card
Citi Strata Premier Card wins on bonus value minus annual fee.
- Annual fee Bank of America Customized Cash Rewards credit card
Bank of America Customized Cash Rewards credit card is $95 cheaper to keep.
- Earning ceiling Citi Strata Premier Card
Citi Strata Premier Card earns more on its best category (10× vs 3×).
- Travel insurance Citi Strata Premier Card
Citi Strata Premier Card carries built-in travel insurance.
- Foreign transactions Citi Strata Premier Card
Citi Strata Premier Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- $200
- $900
- First-year net
- +$200
- +$805
- Peak earning rate
- 3×
- 10×
- Top categories
- Choice Category, Grocery
- Travel, Travel, Dining
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Citi ThankYou Points
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.