Bank of America Premium Rewards vs Citi Strata Premier: which fits your plan?
By ApplyOrWait. Compiled from issuer terms and our audited issuer-rule list. Offers checked ; issuer rules verified . Terms apply.
Citi Strata Premier has higher estimated first-year value after fees ($740) than Bank of America Premium Rewards ($655), using travel redemption. Bank of America Premium Rewards and Citi Strata Premier have the same annual fee of $95. No issuer rule links Bank of America Premium Rewards and Citi Strata Premier in the recorded offer terms; the order depends on your own recent applications.
We compare conditional value after fees; compensation never changes rankings.
How we rank| Feature | Bank of America Premium Rewards | Citi Strata Premier |
|---|---|---|
| Issuer | Bank of America | Citi |
| Annual fee | $95 | $95 |
| Welcome offer, terms apply | 60,000 points | 60,000 ThankYou points |
| Required spend | $4,000 in 3 months | $4,000 in 3 months |
| First-year value after fees, estimated (travel) | $655 | $740 |
| Offer last checked | 2026-10-06 | 2026-10-06 |
Can you get both Bank of America Premium Rewards and Citi Strata Premier, and in what order?
Application windows and account limits
Bank of America Premium Rewards: Applicants report limits of two Bank of America consumer approvals in two months, three in 12, and four in 24. Exceptions may occur.
Bank of America Premium Rewards: applicants report Bank of America approvals get harder after 3 new accounts in 12 months, or 7 if you bank with Bank of America.
Citi Strata Premier: Applicants report 8-day spacing and no more than 2 Citi applications in 65 days. This is unpublished and exceptions occur.
Welcome offers and prior-card history
Citi's terms say the Citi Strata Premier welcome offer is unavailable if you have or had the card.
Bank of America's terms say the Bank of America Premium Rewards new-account application may be unavailable if you held the card within the past 24 months.
Effect on Chase 5/24
Bank of America Premium Rewards is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Citi Strata Premier is a personal card: opening it adds a recent account toward Chase's 5/24 count for 24 months, including if it later closes.
Application order
No issuer rule links Bank of America Premium Rewards and Citi Strata Premier in the recorded offer terms; the order depends on your own recent applications.
No linking rule recorded
Bank of America Premium Rewards and Citi Strata Premier: current offers
Bank of America Premium Rewards
Welcome offer: 60,000 points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $655.
Last checked: .
Citi Strata Premier
Welcome offer: 60,000 ThankYou points. Annual fee: $95. Terms apply.
First-year value after fees (travel redemption), estimated: $740.
Last checked: .
Can I get both the Bank of America Premium Rewards and the Citi Strata Premier welcome offers?
Bank of America Premium Rewards and Citi Strata Premier have product-specific welcome-offer checks for previous cards or bonuses. Passing an application timing check does not establish welcome-offer eligibility.
Which should come first: Bank of America Premium Rewards or Citi Strata Premier?
No directional offer rule gives Bank of America Premium Rewards and Citi Strata Premier a preferred order. Start with your recent Bank of America and Citi applications and each product's current terms.
How would Bank of America Premium Rewards and Citi Strata Premier affect my Chase count?
Opening Bank of America Premium Rewards or Citi Strata Premier increases the personal-account count used for Chase's reported 5/24 rule for 24 months. Closing a recent account does not remove that account from the count.