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.
Our score: too close to call (less than 3 points apart). Scores: IHG One Rewards Premier 67.6%, Citi Strata Premier 68.3%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): IHG One Rewards Premier nets $379/yr, Citi Strata Premier nets $399/yr after annual fees. Use your own numbers →
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
⚠ $99 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 27.99% if you carry a balance · Penalty interest rate (APR) up to 29.99%
⚠ $95 annual fee · APR up to 27.74% if you carry a balance · Penalty interest rate (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, IHG One Rewards Premier 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.