Is the Citi Strata Premier Card worth the higher annual fee?

The Citi Strata Premier Card costs $95/yr vs $0/yr for the TSC Visa Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Citi Strata Premier Card or TSC Visa Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi Strata Premier Card or the TSC Visa Card?

Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the Citi Strata Premier Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Citi Strata Premier Card worth the higher annual fee?

The Citi Strata Premier Card costs $95/yr vs $0/yr for the TSC Visa Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Citi Strata Premier Card or TSC Visa Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi Strata Premier Card or the TSC Visa Card?

Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the Citi Strata Premier Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Citi Strata Premier Card worth the higher annual fee?

The Citi Strata Premier Card costs $95/yr vs $0/yr for the TSC Visa Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Citi Strata Premier Card or TSC Visa Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi Strata Premier Card or the TSC Visa Card?

Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the Citi Strata Premier Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Citi Strata Premier Card vs TSC Visa Card

The TSC Visa Card ($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.

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

60,000 Flex point

—

Earn Rates

Category	Citi Strata Premier Card	TSC Visa Card
Tractor Supply Co	1X	5X
Dining	3X	1X
Flights	3X	1X
Gas Stations	3X	3X
Grocery Stores	3X	3X
Hotels	3X	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

—

Cons

−No airport lounge access included
−Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
−10X portal bonus requires booking through Citi Travel, limiting flexibility
−Welcome bonus lower than competing premium cards (60K vs 75K-90K)
−Points worth less than competitors when redeemed for cash back (1 cent each)

—

Category-by-Category Winner

The Citi Strata Premier Card wins in 3 of 5 categories. The TSC Visa Card leads in 2.

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

Tractor Supply Co

TSC Visa Card earns 5X vs 1X

Veterinary Services

TSC Visa Card earns 3X vs 1X

Is the Fee Difference Worth It?

The Citi Strata Premier Card costs $95/yr — that's $95 more than the TSC Visa Card (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.

Which Card Is Right for You?

Get the Citi Strata Premier Card if you:

+Spend $300+/month on restaurants and dining out

Get the TSC Visa Card if you:

The Bottom Line

The TSC Visa Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the TSC Visa Card 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.

Frequently Asked Questions

Is the Citi Strata Premier Card worth the higher annual fee?: The Citi Strata Premier Card costs $95/yr vs $0/yr for the TSC Visa Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Citi Strata Premier Card or TSC Visa Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Citi Strata Premier Card or the TSC Visa Card?: Choose the TSC Visa Card if you want lower fees and solid rewards. Pick the Citi Strata Premier Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

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Official issuer pages: Citi cards

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.

Citi Strata Premier Card vs TSC Visa Card

The TSC Visa Card ($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.