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Citi Strata Premier vs U.S. Bank Smartly Visa Signature
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Citi Strata PremierCiti | U.S. Bank Smartly Visa SignatureU.S. Bank |
|---|---|---|
| Rating | 4.5/5 | 4.2/5 |
| Annual Fee | $95 | $0 |
| APR | 20.24% - 28.24% | 17.49% - 27.49% |
| Signup Bonus | 60,000 bonus points after spending $4,000 in 3 months | None publicly listed |
| Rewards Rate | 10X on hotels, car rentals & attractions via Citi Travel, 3X on air travel, restaurants, supermarkets, and gas/EV stations, 1X on everything else | 2% cash back on every purchase, up to 4% with qualifying U.S. Bank Smartly Savings balance |
| Credit Score | good | good |
| Pros | 3X on five popular spending categories including travel, dining, and groceries $100 annual hotel savings benefit Transfer points to 17+ airline and hotel partners | 2% unlimited cash back with no annual fee — matches Citi Double Cash Up to 4% back with qualifying U.S. Bank Smartly Savings balance 0% intro APR for 15 billing cycles on purchases and balance transfers |
| Cons | $95 annual fee with fewer premium perks than competitors No lounge access 1X on non-category spending is low | Best rates (3-4%) require U.S. Bank banking relationship with large balances No signup bonus publicly listed Limited to U.S. Bank ecosystem for maximum value |
| View Details → | View Details → |
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Verdict
Our Pick: Citi Strata Premier
With a 4.5/5 rating, the Citi Strata Premier edges out the U.S. Bank Smartly Visa Signature (4.2/5). At $95/yr, the value proposition is strong. The Citi Strata Premier (formerly Citi Premier) earns 3X on travel, dining, supermarkets, and gas. With transfer partners across 17+ airlines and hotels, it's a solid mid-tier travel card that competes with Chase Sapphire Preferred.