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Each card across six value dimensions (0–100). Bigger area = more all-round value.
| Perk | CitiAAdvantage MileUpCiti | CitiCiti Strata PremierCiti |
|---|---|---|
| Annual fee | $0 Inferred by source | $95 Verified by source |
| Realized value* | $0 | $100 |
| Net / year | +$0 | +$5 |
| Value check | Earns its keep | Earns its keep |
| Rewards | miles | points |
| Lounges | — | — |
| Points & Miles | 2× American Airlines purchases Inferred by source 2× Grocery stores (incl. delivery) Inferred by source 1× Everything else Inferred by source | 10× Hotels, cars & attractions via Citi Travel Verified by source 3× Air travel & other hotels Verified by source 3× Restaurants Verified by source 3× Supermarkets Verified by source 3× Gas & EV charging stations Verified by source 1× Everything else Inferred by source |
| Redemption Value | 1.4¢ per pt Estimated by source | 1¢ per pt Inferred by source |
| Hotel Perks | 25% inflight savings Inferred by source Loyalty Point earning Inferred by source | — |
| Credits | — | 1 credit · $100/yr |
| Protections | — | rental cdw — Secondary (MasterRental Coverage) up to actual cash value of rental vehicle; max 31 consecutive days; must decline rental company CDW Inferred by source trip cancellation — Up to $5,000/traveler per trip, max $10,000/account per 12-month period; covers non-refundable costs for injury, death, or sickness Inferred by source trip delay — Up to $500/traveler for delays exceeding 6 hours; covers meals, lodging, toiletries; max 2 claims per account per 12-month period Inferred by source baggage — Up to $3,000/trip for lost, stolen, or damaged luggage; max 2 claims per account per 12-month period; NY residents limited to $2,000/bag Inferred by source purchase protection — Up to $10,000/incident, $50,000/account/year against damage or theft for 90 days from purchase Inferred by source extended warranty — Adds 24 months to manufacturer's or store warranty (original warranty ≤5 years); max $10,000/item Inferred by source |
| Foreign Tx Fees | 3% Inferred by source | None Verified by source |
| Cashback | — | — |
| Data last verified | Jun 4, 2026 | Jun 17, 2026 |
| Apply | Apply | Apply |
*Assumes full use of every non-spend-gated credit — an upper bound. Personalize it
On paper the Citi Strata Premier® Card comes out ahead: by realized value minus the annual fee, the American Airlines AAdvantage® MileUp® Card nets +$0/yr and the Citi Strata Premier® Card nets +$5/yr. Which is actually better depends on your spending and which perks you'll use.
The American Airlines AAdvantage® MileUp® Card has the lower annual fee ($0 vs $95).
Neither includes airport lounge access.