The Citi Strata℠ Card (see rates and fees) is a popular starter card with no annual fee and a good entry point into the Citi ThankYou Rewards ecosystem.

Paying the annual fee on the Citi Strata Premier® Card (see rates and fees) can be worth it if you want to elevate your travel. The card offers higher earning rates in key bonus categories and better access to Citi's airline transfer partners.

Consider the following reasons as to why you should upgrade from the Citi Strata to the Strata Premier.

A great solo travel tip spotted this week on The Points Guy Articles.

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