United Club Infinite Card vs. Citi Strata Premier Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
United Club Infinite Card
Chase
Citi Strata Premier Card
Citi
United Club Infinite 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.
United Club Infinite Card wins on earning ceiling and lounge access; Citi Strata Premier Card wins on first-year math and annual fee.
Pick the Citi Strata Premier 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
2 vs 2- First-year math Citi Strata Premier Card
Citi Strata Premier Card wins on bonus value minus annual fee.
- Annual fee Citi Strata Premier Card
Citi Strata Premier Card is $600 cheaper to keep.
- Earning ceiling United Club Infinite Card
United Club Infinite Card earns more on its best category (11× vs 10×).
- Lounge access United Club Infinite Card
United Club Infinite Card includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $695
- $95
- Welcome offer (typical value)
- $1,170
- $900
- First-year net
- +$475
- +$805
- Peak earning rate
- 11×
- 10×
- Top categories
- Airfare, Travel, Hotels Resorts
- Travel, Travel, Dining
- Lounge access
- United Club
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- None
- Reward currency
- United MileagePlus
- 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.