CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
The AT&T Points PlusĀ® Card From Citi ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | AT&T Points PlusĀ® Card From Citi | Citi Strata Premier Card |
|---|---|---|
| Dining | 1X | 3X |
The Citi Strata Premier Card wins in 4 of 4 categories. The AT&T Points PlusĀ® Card From Citi leads in 0.
Grocery Stores
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 1X
Flights
Citi Strata Premier Card earns 3X vs 1X
The Citi Strata Premier Card costs $95/yr ā that's $95 more than the AT&T Points PlusĀ® Card From Citi (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the AT&T Points PlusĀ® Card From Citi if you:
Get the Citi Strata Premier Card if you:
The AT&T Points PlusĀ® Card From Citi has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the AT&T Points PlusĀ® Card From Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The AT&T Points PlusĀ® Card From Citi ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | AT&T Points PlusĀ® Card From Citi | Citi Strata Premier Card |
|---|---|---|
| Dining | 1X | 3X |
The Citi Strata Premier Card wins in 4 of 4 categories. The AT&T Points PlusĀ® Card From Citi leads in 0.
Grocery Stores
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 1X
Flights
Citi Strata Premier Card earns 3X vs 1X
The Citi Strata Premier Card costs $95/yr ā that's $95 more than the AT&T Points PlusĀ® Card From Citi (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the AT&T Points PlusĀ® Card From Citi if you:
Get the Citi Strata Premier Card if you:
The AT&T Points PlusĀ® Card From Citi has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the AT&T Points PlusĀ® Card From Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The AT&T Points PlusĀ® Card From Citi ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | AT&T Points PlusĀ® Card From Citi | Citi Strata Premier Card |
|---|---|---|
| Dining | 1X | 3X |
The Citi Strata Premier Card wins in 4 of 4 categories. The AT&T Points PlusĀ® Card From Citi leads in 0.
Grocery Stores
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 1X
Flights
Citi Strata Premier Card earns 3X vs 1X
The Citi Strata Premier Card costs $95/yr ā that's $95 more than the AT&T Points PlusĀ® Card From Citi (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
Get the AT&T Points PlusĀ® Card From Citi if you:
Get the Citi Strata Premier Card if you:
The AT&T Points PlusĀ® Card From Citi has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the AT&T Points PlusĀ® Card From Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
| Flights | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 2X | 3X |
| Hotels | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| Flights | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 2X | 3X |
| Hotels | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| Flights | 1X | 3X |
| Gas Stations | 3X | 3X |
| Grocery Stores | 2X | 3X |
| Hotels | 1X | 3X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
