AT&T Points Plus® Card from Citi vs Citi Strata Premier℠ Card

AT&T Points Plus® Card from CitiAT&T Points Plus® Card from Citi

Citi

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Citi Strata Premier℠ CardCiti Strata Premier℠ Card

Citi

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Annual Fee
No Annual Fee
$95
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
ThankYou Points
Point Value
1.00¢/pt
1.90¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
—
60,000 ThankYou Points after $4,000 in 90 days

Effective return by category

CategoryAT&T Points Plus® Card from CitiCiti Strata Premier℠ Card
Card Travel Portals1.00%
1x
19.00%
10x
Airfare1.00%
1x
5.70%
3x
Hotels & Lodging1.00%
1x
5.70%
3x
Dining & Restaurants1.00%
1x
5.70%
3x
Groceries2.00%
2x
5.70%
3x
Gas Stations3.00%
3x
5.70%
3x
EV Charging3.00%
3x
5.70%
3x
Everything else1.00%
1x
1.90%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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