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BofA Premium Rewards vs Citi Strata Premier

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric: too close to call (under 3 pts). Scores: BofA Premium Rewards 67.9%, Citi Strata Premier 68.3%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): BofA Premium Rewards nets $278/yr, Citi Strata Premier nets $399/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeRewards: 8.0 · Premier: 8.0
Rewards rateRewards: 6.2 · Premier: 6.5
Sign-up bonusRewards: 8.0 · Premier: 8.0
Intro 0% APRRewards: 0.0 · Premier: 0.0
Regular APRRewards: 7.3 · Premier: 7.3
Foreign transaction feeRewards: 10.0 · Premier: 10.0
Regulatory record (CFPB)Rewards: 8.0 · Premier: 8.0

BofA Premium Rewards

IssuerBank of America
Typetravel
Annual fee$95 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31
Regular purchase APR19.74%–27.74% variable bankofamerica.com, 2026-10-12
Rewards1.5% base; 2% travel; 2% dining bankofamerica.com, 2026-10-12
Sign-up bonus (≈$)$600 60,000 points after $4,000 in 90 days (a $600 value) bankofamerica.com, 2026-10-12
Intro APRnone No intro APR shown bankofamerica.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
Penalty APRup to 29.99% up to; per BofA agreement consumerfinance.gov, 2026-06-30
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee4% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.49%–28.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Citi Strata Premier

IssuerCiti
Typetravel
Annual fee$95 citi.com, 2026-10-11
Regular purchase APR19.74%–27.74% variable citi.com, 2026-10-11
Rewards10x Citi Travel hotels/cars/attractions; 3x air, hotels, restaurants, supermarkets, gas/EV; 1x other citi.com, 2026-10-11
Sign-up bonus (≈$)$600 60,000 points after $4,000 in 3 months citi.com, 2026-10-11
Intro APRnone No intro APR offer shown citi.com, 2026-10-11
Foreign transaction feenone citi.com, 2026-10-11
Penalty APRup to 29.99% up to; may apply after a late or returned payment citi.com, 2026-10-12
Late feeup to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period23 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.74% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.49%–27.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

BofA Premium Rewards67.9%
Bank of America · travel
Annual fee $95 (CFPB TCCP; issuer page did not render a clear fee)APR 19.74%–27.74% variableRewards 1.5% base; 2% travel; 2% diningCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ $95 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%
Citi Strata Premier68.3%
Citi · travel
Annual fee $95APR 19.74%–27.74% variableRewards 10x Citi Travel hotels/cars/attractions; 3x air, hotels, restaurants, supermarkets, gas/EV; 1x otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty APR up to 29.99%

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

Which is better, BofA Premium Rewards or Citi Strata Premier?

On VaultRubric's rubric: too close to call. The better card for you depends on where you spend; the calculator shows net value for your spending.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.