USAA Cashback Rewards Plus American Express Card vs Citi Strata Premier℠ Card

Side-by-side comparison of USAA Cashback Rewards Plus American Express Card and Citi Strata Premier℠ Card. Compare rewards, fees, APR, benefits, and transfer partners.

Snapshot

	USAA Cashback Rewards Plus American Express Card	Citi Strata Premier℠ Card
Issuer	USAA	Citi
Network	American Express	Mastercard
Card Material	Plastic	Plastic
Annual Fee	$0.00	$95.00
Base Rate	1.00%	1.00%
Travel Rewards	0.00x	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	1.0% (base)	1.0% (base)
Gas Stations	5.0%	3.0%
military base purchases	5.0%	1.0% (base)
Supermarket purchases (up to $3,000/year)	2.0%	1.0% (base)
Hotels	1.0% (base)	10.0%
Travel	1.0% (base)	10.0%
Attractions on CitiTravel.com	1.0% (base)	10.0%
Air Travel and Other Hotel Purchases	1.0% (base)	3.0%
Restaurants	1.0% (base)	3.0%
Supermarkets	1.0% (base)	3.0%
Anniversary Bonus	None	None
Portal Boost	1x	1x

Benefits & Partners

Transfer Partners	None	16 partners
Annual Credits	None	None

Transfer Partners

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1:1

Pricing Details

Purchase APR	17.15% - 31.15%	21.24% - 29.24%
Cash Advance APR	31.15%	29.99%
Penalty APR	32.4%	29.99%
Late Fee	$35	$41
Balance Transfer Fee	undefined% (min $0)	undefined% (min $0)

Insurance & Protections

Auto Rental	Secondary	Secondary
Baggage Delay	Up to $100 per day for 3 days	—
Baggage Loss	—	—
Cell Phone Protection	—	—
Extended Warranty	Doubles original warranty up to 1 additional year	—
Purchase Protection	—	—
Return Protection	—	—
Trip Cancellation Interruption	Up to $1,500 per covered person	—
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