Citi Strata Premier℠ Card vs IHG One Rewards Premier Credit Card

Citi Strata Premier℠ CardCiti Strata Premier℠ Card

Citi

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IHG One Rewards Premier Credit CardIHG One Rewards Premier Credit Card

Chase

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Annual Fee
$95
$150
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
IHG One Rewards Points
Point Value
1.90¢/pt
0.50¢/pt
Base Earn Rate
1x
3x
Welcome Bonus
60,000 ThankYou Points after $4,000 in 90 days
140,000 IHG One Rewards Points after $3,000 in 90 days

Effective return by category

CategoryCiti Strata Premier℠ CardIHG One Rewards Premier Credit Card
Card Travel Portals19.00%
10x
1.50%
3x
Airfare5.70%
3x
2.50%
5x
Hotels & Lodging5.70%
3x
1.50%
3x
Dining & Restaurants5.70%
3x
2.50%
5x
Groceries5.70%
3x
2.50%
5x
Gas Stations5.70%
3x
2.50%
5x
EV Charging5.70%
3x
1.50%
3x
Car Rentals1.90%
1x
2.50%
5x
Everything else1.90%
1x
1.50%
3x

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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