Visa Signature Flagship Rewards Credit Card vs Citi Strata Premier℠ Card

Side-by-side comparison of Visa Signature Flagship Rewards Credit Card and Citi Strata Premier℠ Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	Visa Signature Flagship Rewards Credit Card	Citi Strata Premier℠ Card
Issuer	Navy Federal Credit Union	Citi
Network	Visa	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$49.00	$95.00
Base Rate	2.00%	1.00%
Travel Rewards	3.00x	10.00x
Auth. User Fee	$0.00	$0.00
Foreign Txn Fee	0%	0%
Lifecycle	Available	Available

Welcome Offer

Bonus	None	None
Spend Requirement	—	—
Timeline	—	—

Rewards Breakdown

Base Rate	2.0% (base)	1.0% (base)
Travel	3.0%	10.0%
Hotels	2.0% (base)	10.0%
Attractions on CitiTravel.com	2.0% (base)	10.0%
Air Travel and Other Hotel Purchases	2.0% (base)	3.0%
Restaurants	2.0% (base)	3.0%
Supermarkets	2.0% (base)	3.0%
Gas Stations	2.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	16 partners
Annual Credits	None	None

Transfer Partners

—

1:1

Pricing Details

Purchase APR	15.24% - 18%	21.24% - 29.24%
Cash Advance APR	17.24%	29.99%
Penalty APR	N/A	29.99%
Late Fee	$20	$41
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	Secondary
Baggage Delay	—	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	—	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	—	—
Trip Delay	—	—
Tsa Precheck Global Entry	Up to $100 statement credit every 4 years	—

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