Comparison brief
Citi Strata Premier vs. Strata Elite
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A $500 gap in annual fee between two Citi ThankYou cards. Premier earns a broad 3x across dining, groceries, gas, and hotels or flights for $95; Elite drops those everyday categories for steeper portal-booking rates and a stack of travel and lifestyle credits — one of which requires an existing Citigold banking relationship to unlock.
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