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Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

Here you can add a description about your company or product

© Copyright 2026 CardRewards. All Rights Reserved.

About

Blog
Contact

Product

Documentation

Legal

Terms of Service
Privacy Policy
Cookie Policy
Accessibility

My Best Buy® Visa® Card vs Citi Strata Credit Card — Full Comparison (2026)

Home
/
Compare
/
My Best Buy® Visa® Card vs Citi Strata Credit Card

My Best Buy® Visa® Card vs Citi Strata Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

My Best Buy® Visa® Card

My Best Buy® Visa® Card

Citi

Citi Strata Credit Card

Citi Strata Credit Card

Citi

Annual Fee

$0

$0

Welcome Bonus

—

30,000 Flex point

Base Earn Rate

0.5X

1X

Top Earn Categories

5X Best Buy Purchases

2X Dining

2X Grocery Stores

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

Network

VISA

MASTERCARD

Key Benefits

None

None

Pros

—

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

—

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

The Bottom Line

For everyday spending, the Citi Strata Credit Card earns more with its 1X base rate.

Explore More

My Best Buy® Visa® Card — Full Review All Citi Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
My Best Buy® Visa® Card vs Citi Strata Credit Card

My Best Buy® Visa® Card vs Citi Strata Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

My Best Buy® Visa® Card

My Best Buy® Visa® Card

Citi

Citi Strata Credit Card

Citi Strata Credit Card

Citi

Annual Fee

$0

$0

Welcome Bonus

—

30,000 Flex point

Base Earn Rate

0.5X

1X

Top Earn Categories

5X Best Buy Purchases

2X Dining

2X Grocery Stores

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

Network

VISA

MASTERCARD

Key Benefits

None

None

Pros

—

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

—

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

The Bottom Line

For everyday spending, the Citi Strata Credit Card earns more with its 1X base rate.

Explore More

My Best Buy® Visa® Card — Full Review All Citi Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Home
/
Compare
/
My Best Buy® Visa® Card vs Citi Strata Credit Card

My Best Buy® Visa® Card vs Citi Strata Credit Card

A detailed side-by-side comparison to help you choose the right card for your spending.

My Best Buy® Visa® Card

My Best Buy® Visa® Card

Citi

Citi Strata Credit Card

Citi Strata Credit Card

Citi

Annual Fee

$0

$0

Welcome Bonus

—

30,000 Flex point

Base Earn Rate

0.5X

1X

Top Earn Categories

5X Best Buy Purchases

2X Dining

2X Grocery Stores

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

Network

VISA

MASTERCARD

Key Benefits

None

None

Pros

—

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

—

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

The Bottom Line

For everyday spending, the Citi Strata Credit Card earns more with its 1X base rate.

Explore More

My Best Buy® Visa® Card — Full Review All Citi Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →