Card database → Citi Strata Premier® Card vs IHG One Rewards Premier Credit Card
Citi Strata Premier® Card vs IHG One Rewards Premier Credit Card
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-09-03.
| Category | Citi Strata Premier® Card | IHG One Rewards Premier Credit Card |
|---|---|---|
| Dining | 3.3¢/$ (3x) | 2.5¢/$ (5x) |
| Groceries | 3.3¢/$ (3x) | 2.5¢/$ (5x) |
| Gas | 3.3¢/$ (3x) | 2.5¢/$ (5x) |
| Travel | 1.1¢/$ (1x) | 1.5¢/$ (3x) |
| Flights | 3.3¢/$ (3x) | 2.5¢/$ (5x) |
| Hotels | 1.1¢/$ (1x) | 1.5¢/$ (3x) 10x at IHG only — not counted |
| Streaming | 1.1¢/$ (1x) | 1.5¢/$ (3x) |
| Online retail | 1.1¢/$ (1x) | 1.5¢/$ (3x) |
| Issuer travel portal | 11.0¢/$ (10x) | 1.5¢/$ (3x) |
| Car Rental | 1.1¢/$ (1x) | 2.5¢/$ (5x) |
| Everything else | 1.1¢/$ (1x) | 1.5¢/$ (3x) |
| Annual fee | $95 | $150 |
| Statement credits (max/yr) | $130 | $410 |
| Foreign transaction fee | None | None |
| Signup bonus | 60,000 after $4,000/3mo | 180,000 after $3,000/3mo |
| Offer last confirmed | 2026-09-14 | 2026-10-01 |
IHG One Rewards Premier Credit Card wins more of the everyday categories (6 of 11), but Citi Strata Premier® Card costs $55 less per year — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Citi ThankYou points at 1.10¢, IHG points at 0.50¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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