Citi Strata Premier℠ Card vs Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley

Side-by-side comparison of Citi Strata Premier℠ Card and Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Citi Strata Premier℠ Card	Blue Cash Preferred Card from American Express Exclusively for Morgan Stanley
Issuer	Citi	American Express
Network	Mastercard	American Express
Card Material	Plastic	Plastic
Annual Fee	$95.00	$95.00
Base Rate	1.00%	1.00%
Travel Rewards	10.00x	0.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	2.7%
Lifecycle	Available	Active

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	1.0% (base)	1.0% (base)
Hotels	10.0%	1.0% (base)
Travel	10.0%	1.0% (base)
Attractions on CitiTravel.com	10.0%	1.0% (base)
Air Travel and Other Hotel Purchases	3.0%	1.0% (base)
Restaurants	3.0%	1.0% (base)
Supermarkets	3.0%	6.0%
Gas Stations	3.0%	3.0%
Streaming	1.0% (base)	6.0%
Transit & Rideshare	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	16 partners	None
Annual Credits	None	None

Transfer Partners

1:1

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Pricing Details

Purchase APR	21.24% - 29.24%	12.74% - 21.74%
Cash Advance APR	29.99%	21.99%
Penalty APR	29.99%	26.74%
Late Fee	$41	$40
Balance Transfer Fee	undefined% (min $0)	N/A

Insurance & Protections

Auto Rental	Secondary	—
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	—	—

Usability & Experience

Digital Wallet	N/A	N/A
Instant Card Number	—	—
Credit Bureaus	N/A	N/A

Strategy & Eligibility

Recommended Credit	N/A	N/A
Application Rules	Standard	Standard