IHG One Rewards Premier Credit Card vs. Citi Strata Premier Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
IHG One Rewards Premier Credit Card
Chase
Citi Strata Premier Card
Citi
IHG One Rewards Premier Credit Card and Citi Strata Premier Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
IHG One Rewards Premier Credit Card wins on first-year math; Citi Strata Premier Card wins on annual fee.
Pick the IHG One Rewards Premier Credit Card if year-one math is your priority; take the Citi Strata Premier Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 1 (1 tie)- First-year math IHG One Rewards Premier Credit Card
IHG One Rewards Premier Credit Card wins on bonus value minus annual fee.
- Annual fee Citi Strata Premier Card
Citi Strata Premier Card is $4 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- $99
- $95
- Welcome offer (typical value)
- $1,295
- $900
- First-year net
- +$1,196
- +$805
- Peak earning rate
- 10×
- 10×
- Top categories
- Hotels Resorts, Dining, Gas
- Travel, Travel, Dining
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- No
- Foreign transaction fee
- None
- None
- Reward currency
- IHG One Rewards
- 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.