Latest news with #CitiStrataElite℠Card
CNBC
2 days ago
- Business
- CNBC
Citi Strata Elite Card review: A new premium travel card with an American Airlines partnership
The Citi Strata Elite℠ Card is the bank's newest addition to its Strata line of cards and its first premium card since the Citi Prestige® Card, which is no longer available to new applicants. The card comes with nearly $1,500 in value each year through perks like the $200 annual Splurge credit and a complimentary Priority Pass Select membership. Citi is also furthering its partnership with American Airlines and offering some AA-specific perks that frequent flyers will appreciate. CNBC Select dives into Citi's newest premium option to see how it stacks up against a very competitive travel credit card landscape. On Citi's site On Citi's site With the Citi Strata Elite℠ Card you can earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening. Good to Excellent670–850 21.24% - 29.24% variable $595 Earn 80,000 bonus Points See rates and fees. Terms apply. The Citi Strata Elite℠ Card aims to brings premium restaurant rewards and travel benefits to users, including an annual hotel benefit of $ transfer fee applies with this offer 5% of each balance transfer; $5 minimum. If you're approved for the Citi Strata Elite Card, for a limited time, you can earn 80,000 bonus points after spending $4,000 in the first three months of account opening. With these points generally valued at around 1.75 cents per point by the industry, this welcome bonus is worth about $1,400, which is a great return. This bonus is earned in the form of Citi ThankYou® Points, which can be redeemed in a number of ways, from simple statement credits, to paying with points or transferring them to one of Citi's travel partners. The Citi Strata Elite comes with several perks, with the bulk of its value in travel and lifestyle categories. While you do have to book via Citi Travel, the $300 hotel credit isn't tied to any specific brand, meaning you'll have more options. The $200 splurge credit is another welcome addition that gives you more control over how you earn rewards, letting you choose and switch between several brands, ranging from tickets to technology. One credit that isn't as common is the one for Blacklane, a global chauffeur service. While it might serve as a nice luxury option for special occasions, odds are that you'll have an easier time with a taxi or public transportation. In addition to straightforward statement credits, the Strata Elite also offers some extra benefits: If Citi happens to be a company you bank with, it's possible that you could be eligible for additional savings through an offer just for Citi customers: The Citi Strata Elite has a high earnings rate when you book via the Citi Travel portal, and it offers elevated earnings rates during certain eligible times: What jumps out first is the very high 12X on hotels and more, but it is tied to the issuer's travel portal, a common theme with premium travel cards. It's also the first time we've seen a card that has a timed window to earn elevated rewards. It earns a higher rate at restaurants on Friday and Saturday nights, which could make your weekend date nights a little more affordable. When redeeming the Citi ThankYou Points earned by your Strata Elite, you have several options to choose from, like: While options like cash back and gift cards are usually the simplest, they often don't provide you with the best value; the highest value usually comes from taking advantage of the transfer partners offered through Citi: The Citi Strata Elite was built to compete with some of the most popular travel credit cards, and its $595 annual fee represents that. The card has no foreign transaction fees and a late or returned payment fee of $41. The card's variable purchase APR ranges from 21.24% to 29.24%, depending on creditworthiness. On the American Express site On the American Express site The Amex Platinum Card provides access to Amex Centurion Lounges, Delta Sky Clubs® , Lufthansa Lounges, Escape Lounges and more. (Enrollment required) Good to Excellent670–850 See Pay Over Time APR $695 You may be eligible for as high as 175,000 Membership Rewards® Points See rates and fees, terms apply. Read our Amex Platinum Card review. The Platinum Card® from American Express is a premium card loaded with annual statement credits, entertainment benefits, extensive airport lounge access, elite status perks and more. (Enrollment required for select benefits mentioned)N/A None The Platinum Card® from American Express offers more value in the form of statement credits, making it a good option for those seeking direct value from the card. Amex's Platinum also comes with hotel status upgrades and permanent access to Amex's Global Lounge Collection, including its Centurion Lounges. While enrollment is not necessary for Centurion Lounge access, some other lounge programs within the American Express Global Lounge Collection, such as Priority Pass, do require enrollment. The Strata Elite offers a high rewards rate on restaurants and a flexible $200 Splurge credit. The ability to earn up to 12X on hotels and 6X on air travel booked through Citi Travel can help you rack up ThankYou Points very quickly and help finance even more getaways. On Chase's site On Chase's site Get more than $2,700 in annual value with Sapphire Reserve. Excellent740–850 20.24% - 28.74% variable $795 Earn 100,000 bonus points + $500 Chase TravelSM promo credit See rates and fees. Terms apply. Member FDIC. Read our Chase Sapphire Reserve® review. The Chase Sapphire Reserve® is a standout premium credit card with plenty of luxury perks and statement credits to justify its annual $5 or 5% of the amount of each balance transfer, whichever is greater The Chase Sapphire Reserve® (see rates and fees) provides over $2,700 in annual value, which is enough to cover its high $795 annual fee. The card offers a large number of statement credits, with Apple TV+ credits and a $300 annual dining credit. The card also comes with premium travel benefits, such as access to Chase Sapphire Lounges by The Club and a statement credit for Global Entry, TSA Precheck or Nexus every four years. The card's annual fee is quite steep, and if you're looking for points that transfer to American Airlines, Chase Ultimate Rewards® points don't offer that option. The Citi Strata Elite is a great fit for those who don't mind booking primarily through travel portals, and for American Airlines customers eager to have a card that earns rewards that can be transferred to the AAdvantage program. The card comes with up to $300 in annual hotel benefits and a flexible $200 Splurge credit, both fairly easy credits to redeem. If you're invested in the Citi ThankYou Points system or looking for a card that earns rewards compatible with American Airlines, this card is the next perfect addition to your wallet. Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
CNBC
29-07-2025
- Business
- CNBC
Everything you need to know about Citi's all-new Citi Strata Elite Card, a premium card for travel and dining
There's a new premium credit card on the market and CNBC Select has everything you need to know. Recently, Citi announced the all-new Citi Strata Elite℠ Card, focused on travel and dining benefits. We think the $595 Strata Elite stands out most for its handful of statement credits and high 12X rewards rate on hotels, car rentals and attractions booked on A big plus, cardholders can also transfer their points to American Airlines. In its recent announcement, Citi has also rebranded the Citi Rewards+ Card (no longer available) to the Citi Strata℠ Card. This no-annual-fee credit card is more of an everyday card that lets you choose your own rewards category from a list of options. On Citi's site On Citi's site With the Citi Strata Elite℠ Card you can earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening. Good to Excellent670–850 21.24% - 29.24% variable $595 Earn 80,000 bonus Points See rates and fees. Terms apply. The Citi Strata Elite℠ Card aims to brings premium restaurant rewards and travel benefits to users, including an annual hotel benefit of $ transfer fee applies with this offer 5% of each balance transfer; $5 minimum. On Citi's site On Citi's site The Citi Strata℠ Card allows you to earn an unlimited 3X points in one of five categories of your choosing, plus there's an introductory 0% APR period on new purchases and balance transfers. Good to Excellent670–850 19.24% - 29.24% variable $0 Earn 30,000 bonus Points See rates and fees. Terms apply. The Citi Strata℠ Card is a solid rewards credit card that earns in several everyday spending categories, with no annual is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening. The revamped Citi Strata has a welcome offer of 30,000 bonus points after spending $1,000 in the first three months of account opening. The new Citi Strata Elite has a slightly higher offer of 80,000 bonus points after spending $4,000 in the first three months of account opening, with an in-branch offer of up to 100,000 points. Both of these Citi cards earn rewards in the form of Citi ThankYou® Points, which can be redeemed for a range of rewards at varying values. The Citi Strata is a no-annual-fee card. The Citi Strata Elite, on the other hand, comes with a $595 annual fee, in exchange for its more premium offerings. It's pretty standard for a premium travel card to be this expensive; Chase just recently upped its lux Chase Sapphire Reserve® (see rates and fees) to $795 per year. Now, the Citi Strata Elite does come with almost $1,500 in value annually, which helps offset the cost of the card. What's most important is that the benefits fit easily into your lifestyle; more on that below. The no-annual-fee Citi Strata doesn't have any additional benefits itself, but does qualify for World Elite Mastercard benefits, including Lyft, Mastercard ID theft protection, priceless experiences and more. With the Citi Strata Elite being a more premium card, it brings many perks that focus on elevated travel and dining options: The Strata Elite is also the first issued "World Legend" credit card, the newest premium tier to the Mastercard Collection, offering priority reservations at restaurants, including in Europe through Mastercard's partnership with TheFork, ticketing access and more. The ability to transfer ThankYou Points to AAdvantage miles — a favorite perk of ours — is available to Citi Strata Elite, Citi Strata Premier℠ and Citi Prestige® Card customers (the last no longer open to new applicants). When it comes to earning Citi ThankYou Points, the Citi Strata gives you the ability to choose one of your own categories: The self-select category defaults to streaming services, but you can change it once per quarter, either online or by calling customer service. The Citi Strata Elite is more travel-focused, with its rewards offering: What first jumps out about the new Strata Elite is the 12X rewards category, which is high compared to many credit cards these days, even among those with large annual fees. It's worth noting that in order to earn this elevated rate, you'll have to book through the Citi Travel portal, which may restrict your options. The Strata Elite also has something rather unique about one of these rewards categories: a time frame. On Friday and Saturday nights, from 6 PM to 6 AM ET, you'll earn double the normal rewards on restaurant spending, for a total of 6X points, with the time frame being dubbed "Citi Nights." While the 3X points earned any other time are a solid return, the bump to your rewards on Friday and Saturday evenings could make weekend date nights a little more rewarding. The ThankYou Points that both the Citi Strata and Citi Strata Elite offer can be redeemed for a number of different rewards, with varying levels of value: You'll likely receive the highest value from your ThankYou Points when you transfer them to one of Citi's 20 different transfer partners, including 14 airlines, 5 hotels and 1 retail option: Since Citi offers a wide range of transfer partners, you have increased flexibility with the points you're earning, letting you pick the airlines and hotels that best fit your needs. If you're looking for more benefits than the Citi Strata offers but a less costly option than the Citi Strata Elite, here are some alternatives we love. The Blue Cash Everyday® Card from American Express is a great $0 annual fee card (see rates and fees) that earns a solid rate of rewards in everyday spending categories, like at U.S. supermarkets and on U.S. online retail purchases. If you have an eligible Disney streaming membership, you can receive a credit of up to $84 in $7 monthly chunks after using your enrolled Blue Cash Everyday Card to spend $9.99 or more each month (subject to auto renewal). The card earns cash back in the form of Reward Dollars, which can then be redeemed for statement credits to help pay your credit card bill. On the American Express site On the American Express site Good to Excellent670–850 20.24%-29.24% Variable $0 Earn a $200 statement credit See rates and fees, terms apply. Read our Blue Cash Everyday® Card from American Express review. The Blue Cash Everyday® Card from American Express has no annual fee and earns bonus rewards on a wide range of common $5 or 3% of the amount of each transfer, whichever is greater. 2.7% of each transaction after conversion to US dollars There's also the $95 Chase Sapphire Preferred® Card (see rates and fees), which earns 3X Ultimate Rewards® points in categories like dining and online groceries. The card also comes with a helpful suite of travel protections, including trip cancellation and interruption insurance, and it offers up to $50 in statement credits for hotel stays purchased through Chase Travel each account anniversary. On Chase's site On Chase's site With Points Boost, your rewards will be worth up to 1.5x on thousands of top-booked hotels and flights from select airlines through Chase Travel. Good to Excellent670–850 19.99% - 28.24% variable $95 Earn 75,000 bonus points See rates and fees. Terms apply. Member FDIC. Read our Chase Sapphire Preferred® Card review. The Chase Sapphire Preferred® Card packs a punch for a $95 annual fee card, offering annual travel credits, comprehensive travel protections and $5 or 5% of the amount of each transfer, whichever is greater Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox. Sign up here. At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.
Forbes
29-07-2025
- Business
- Forbes
Citi ThankYou Points Take Flight With American Airlines
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. The world of travel rewards just opened up in a big way. Coinciding with the launch of the all-new Citi Strata Elite℠ Card, Citi ThankYou® Points can now be transferred to American Airlines AAdvantage miles at a 1:1 ratio. Citi is a Forbes Advisor partner. That's a major upgrade for select Citi cardholders, who now have access to powerhouse awards on American Airlines and its extensive network of partners. This also shifts the playing field for flexible points in general: As the exclusive transfer option to AAdvantage, this tips the scales toward Citi credit cards as a competitive player. Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. Why American Miles Matter American Airlines AAdvantage miles are highly sought after for their global reach and fair pricing. It's not uncommon to find one-way flights in economy throughout North America for 10,000 miles or less, making free travel accessible even for someone with more modest point balances. But AAdvantage also opens doors to aspirational travel. As a member of the Oneworld alliance, customers can redeem miles for experiences such as Qatar Airways Q Suites business class, Japan Airlines' exceptional new first class or trips to destinations served by nonalliance partners like Air Tahuiti Nui. The breadth of options makes AAdvantage miles a powerful currency, and its new partnership with Citi ThankYou Points extends value to your credit card points, too. Earning Citi ThankYou Points American Airlines credit cards can be a fantastic way to access benefits during travel, but the earning rates are mostly underwhelming. Earning American miles indirectly via ThankYou Points is a strategic yet easy way to increase your earning potential from card spending. The Citi Strata Premier® Card offers strong multipliers on travel and everyday spending for a mere $95 annual fee: 10 points per dollar spent on hotels, car rentals and attractions booked on 3 points per dollar on restaurants, supermarkets, gas & EV stations, air travel and other hotel purchases 1 point per dollar on all other purchases The Citi Strata Elite℠ Card offers higher earning rates but in fewer, more niche categories: 12 points per dollar spent on hotels, car rentals, and attractions booked on 6 points per dollar spent on air travel booked on 6 points per dollar spent at restaurants, including restaurant delivery services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET; 3 points per dollar spent any other time 1.5 points per dollar spent on other purchases The annual fee on the Strata Elite is much higher ($595 per year), but comes with annual benefits that could be extremely valuable to American Airlines' flyers, including four Admirals Club day passes, up to $200 in Splurge Credit valid toward eligible American Airlines purchases and up to $300 in hotel credit when booking stays of two nights or more through Citi Travel. Transferring Citi ThankYou Points to American Airlines AAdvantage To transfer Citi ThankYou Points, you'll need a ThankYou card with full transfer capabilities, like the Strata Elite, Strata Premier or the Citi Prestige® Card (closed to new applicants). Requesting a transfer is a simple process: Log in to your Citi ThankYou account Navigate to the Points Transfer redemption section Select an American Airlines transfer and input your desired transfer amount (in increments of 1,000) and your AAdvantage member number Transfers may take up to five business days to process, though many are completed within seconds. Since transfer times are quick, you can wait to move points until you have a specific award you're ready to book. This allows you to retain maximum redemption flexibility. Here's the full list of Citi ThankYou Points transfer partners for premium cards: Airline Partners Hotel Partners Retail Partner Find the best travel credit card for your travel needs. This robust deepening of the Citi-AAdvantage partnership isn't news to sleep on. It's a major win for consumers who want to use their rewards toward global travel. If you've been sitting on a stash of Citi ThankYou Points, this could be your boarding call. With the ability to book anything from short hops and weekend getaways to once-in-a-lifetime luxury adventures, ThankYou Points just became a lot more versatile. Was this article helpful?
Forbes
29-07-2025
- Business
- Forbes
Citi Adds Two More Layers To Its Strata Family Of Cards
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. Citibank, a Forbes Advisor partner, is shaking up its credit card portfolio. Why launch one new card when two are twice as nice? The issuer is releasing both the $0-annual fee Citi Strata℠ Card and the premium Citi Strata Elite℠ Card which has a $595 annual price tag. The two new cards bookend the $95-annual-fee Citi Strata Premier® Card , which launched in May 2024 and was a refresh of the former Citi Premier Card (No longer available to new applicants). Here's the skinny on the two latest editions to the Strata family. Attributes of the Citi Strata℠ Card include: Annual fee : $0 : $0 Welcome offer: Earn 30,000 bonus points after spending $1,000 within the first 3 months of account opening. Earn 30,000 bonus points after spending $1,000 within the first 3 months of account opening. Rewards: 5 ThankYou® Points per dollar spent on hotels, car rentals and attractions booked through Citi Travel®, 3 points on supermarkets, select transit and gas and EV charging stations purchases, 3 points on an eligible self-select category of your choice, including fitness clubs, select streaming services, live entertainment, cosmetic stores or pet stores, 2 points at restaurants and 1 point on all other eligible purchases. Transfer to Citi's travel transfer partners (except American Airlines), most at a 1,000:700 ratio. Cash redemptions are worth 0.5 cents per point. Intro APR offer: 0% intro APR on balance transfers and purchases for 15 months, then a variable APR of 19.24% to 29.24% applies. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, a fee of 5% of each transfer (minimum $5) applies. 0% intro APR on balance transfers and purchases for 15 months, then a variable APR of 19.24% to 29.24% applies. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, a fee of 5% of each transfer (minimum $5) applies. Recommended credit score: Good, Excellent. This typically means a 670 FICO Score or higher. Cardholders of the Citi Rewards+ had their cards converted to the new Citi Strata℠ Card on July 20, 2025, and applications opened for new cardholders on July 27, 2025. Earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. Attributes of the Citi Strata Elite℠ Card include: Annual fee: $595 $595 Welcome offer: Earn 80,000 bonus points after spending $4,000 in the first 3 months of account opening. Earn 80,000 bonus points after spending $4,000 in the first 3 months of account opening. Rewards : 12 points per dollar spent on hotels, car rentals, and attractions booked on 6 points per dollar spent on air travel booked on 6 points per dollar spent at restaurants, including restaurant delivery services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET (3 points per dollar spent any other time) and 1.5 points per dollar spent on other purchases. Transfer to Citi's travel transfer partners, most at a 1,000:1,000 ratio. Cash redemptions are worth 0.75 cents per point. Recommended credit score: Good, Excellent. This typically means a 670 FICO Score or higher. Good, Excellent. This typically means a 670 FICO Score or higher. Other perks: Up to $300 annual hotel benefit. Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through . Four American Airlines Admirals Club® Citi Strata Elite passes. Every calendar year, receive four Admirals Club® Citi Strata Elite℠ Passes for access to nearly 50 Admirals Club® lounges worldwide. Points transfer. Ability to transfer Citi ThankYou® Points into American Airlines AAdvantage® miles at a 1:1 ratio as well as Citi's other hotel and airline loyalty partners. Priority Pass™ Select membership. Both the primary cardholder and authorized users can each have their own Priority Pass membership which includes up to two guests. Up to $200 Annual Splurge Credit SM . Every calendar year, earn up to $200 in statement credits on your choice of up to two of the following brands: 1stDibs, American Airlines, Best Buy®, Future Personal Training and Live Nation. Up to $200 annual Blacklane® credit. Every calendar year, enjoy up to $200 in statement credits when booking with Blacklane, a global chauffeur service. Earn up to $100 on Blacklane purchases January through June and up to $100 July through December. Up to $120 Global Entry® or TSA PreCheck® application fee credit. Receive a statement credit, up to $120 every four years, as reimbursement for the application fee for Global Entry or TSA PreCheck®. Earn 80,000 bonus Points after spending $4,000 in the first 3 months of account opening. Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed. Are the New Citi Strata Cards Any Good? For fans of Citi's Thank You Points travel transfer partners, which include JetBlue's TrueBlue , Wyndham Rewards and Choice Privileges , either card could potentially help you amass a stash of rewards if the rewards structure matches your spending patterns. When it comes to top no-annual-fee cards , the Citi Strata Card holds its own when it comes to generous and unlimited rewards in everyday categories. Being able to choose an eligible self-select category to earn 3X rewards and change it every quarter can be helpful when you know in advance when you have a big purchase coming up, especially when it's in categories not commonly bonused like fitness clubs, hair salons or live entertainment. Someone could easily choose fitness clubs to pay for a gym initiation fee and then change it the following quarter to live entertainment to buy tickets for the summer concert season. For the Citi Strata Elite, the standout perks are the up to 12X multiplier on hotels, car rentals and attractions booked through Citi Travel and the ability to transfer rewards at a 1:1 ratio to American Airlines Advantage . The new Strata Elite's attributes rival some of the best premium cards at this price point and the card is notably free of the coupon-book style credits popping up like mushrooms on competing cards. No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. Was this article helpful?
Forbes
29-07-2025
- Business
- Forbes
Citi Strata Elite Card Review 2025
Compared to the Chase Sapphire Reserve® , the Citi Strata Elite℠ Card feels narrower in focus. The Sapphire Reserve offers a flexible rate of 8 points per dollar on all purchases through Chase Travel℠, including The Edit℠, 4 points per dollar on flights and hotels booked direct, 3 points per dollar on dining worldwide and 1 point per dollar spent on all other purchases. There are no time restrictions to earn rewards and the card also offers a broadly usable $300 travel credit. The Strata Elite card leans heavily on bookings through its portal with high multipliers on select travel categories, but this restricts flexibility and value. The weekend-only dining bonus is also more limited. Overall, the Strata Elite suits Citi loyalists or weekend diners but falls short of the broad premium perks that make the Sapphire Reserve a top travel card. Citi Strata Elite℠ Card vs. Capital One Venture X Rewards Credit Card The Capital One Venture X Rewards Credit Card stands out for its simplicity and flat-rate rewards. With a base earnings rate of 2X miles, lounge access with enrollment and 10,000 bonus miles every card anniversary (worth at least $100 toward travel), it delivers reliable value without requiring you to track spending windows. The Citi Strata Elite earns higher rates in certain niches, but it requires more of the cardholder. If you're looking for a premium travel card that's straightforward and hands-off, the Venture X is likely the better fit. Citi Strata Elite℠ Card vs. The Platinum Card® from American Express The Platinum Card® from American Express (Terms apply, rates & fees) focuses heavily on luxury and elite travel experiences, offering access to high-end lounges, hotel status, flight perks and hundreds of dollars in annual travel and lifestyle statement credits. It's designed for frequent travelers who want premium treatment and don't mind navigating hoops. The Citi Strata Elite doesn't offer nearly as many elite perks and prestige, making the Amex Platinum a better fit if luxury is your priority.
