Best card to pair with the Citi Strata Premier
Citi Double Cash adds the most next to it: together they keep $704 a year after both fees from typical spending, $137 more than the Strata Premier on its own.
- Updated October 17, 2026
- $22,300 a year of spending
- Rankings are never paid for
Best pair
Keeps $704 a year after fees
- Earns $799 a year on the spending below; fees come to $95.
- That's $137 more than the Strata Premier alone ($567).
- Citi Double Cash's points count at 1.4¢ because Citi Strata Premier can transfer them; on their own they'd cash out at 1¢.
Rates change, so verify them with the issuer before you apply.
The best partners
What each card adds to the Strata Premier in a year, after its own fee, with every purchase on whichever of the two earns more. On its own, the Strata Premier keeps $567 a year after fees.
| Partner | Adds a year | Together | Its fee |
|---|---|---|---|
| #1 Citi Double Cash | +$137 | $704 | $0 |
| #2 Robinhood Gold Card | +$107 | $674 | $50 |
| #3 Wells Fargo Active Cash | +$59 | $626 | $0 |
| #4 Fidelity Rewards Visa Signature | +$59 | $626 | $0 |
| #5 Apple Apple Card | +$59 | $626 | $0 |
Which card to use
A year of spending, each purchase on the card that earns the most on it. When a bonus runs out at its cap, the rest goes on the next best card.
| Category | Spend a year | Use | Earns |
|---|---|---|---|
| Groceries | $6,200 | Citi Strata Premier | $260 4.2% |
| Dining | $3,900 | Citi Strata Premier | $164 4.2% |
| Gas | $2,400 | Citi Strata Premier | $101 4.2% |
| Travel | $2,500 | Citi Double Cash | $70 2.8% |
| Drugstores | $700 | Citi Double Cash | $20 2.8% |
| Everything else | $6,600 | Citi Double Cash | $185 2.8% |
| Total | $22,300 | $799 |