Citi Strata Elite℠ Card
Points
Citi Strata Elite℠ Card
Citi - Mastercard - Credit card
4.6
4.6 out of 5
9.2/10
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Head-to-head
Citi Strata Elite℠ Card vs Upgrade Select Visa®
Compare Citi Strata Elite℠ Card and Upgrade Select Visa® side by side: fees, rewards, APR, and perks.
Last verified
Upgrade Select Visa®
Cash back
Upgrade Select Visa®
Upgrade - Visa - Credit card
4.2
4.2 out of 5
8.4/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Citi Strata Elite℠ Card | Upgrade Select Visa® |
|---|---|---|
| Card fee | $595 USD/yr | $39 USD/yr |
| Purchase APR (from) | 20.49% | 21.96% |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 3% |
| Rewards | 12X ThankYou Points on hotels, car rentals, and attractions via Citi Travel; 6X on airfare booked via Citi Travel; 6X at restaurants on Friday–Saturday evenings (3X other times); 1.5X on all other purchases. | No flat ongoing cash back rate. Cardholders can earn cash back on qualifying purchases at participating merchants through Upgrade Shopping (powered by Dosh). No guaranteed base reward rate. |
| Installments | Citi Flex Pay available | Each purchase converts to a closed-end installment loan at a fixed rate and term. Annual fee is billed in 12 equal monthly installments drawn from the credit line. |
| No card fee | - | - |
| No foreign transaction fee | - | |
| Welcome bonus | ||
| Airport lounge access | - | |
| Travel insurance | - | |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Citi Strata Elite℠ Card if its checked rows above line up with how you spend most.
- Choose the Upgrade Select Visa® if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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