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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 Premier Card — Full Comparison (2026)

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

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

Citi Strata Premier Card

Citi

Annual Fee

$0

$95

Welcome Bonus

—

60,000 Flex point

Base Earn Rate

0.5X

1X

Top Earn Categories

5X Best Buy Purchases

2X Dining

2X Grocery Stores

10X Hotels

10X Car Rentals

10X Attractions

3X Hotels

Network

VISA

MASTERCARD

Key Benefits

None

None

Pros

—

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

Cons

—

−No airport lounge access included
−Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
−10X portal bonus requires booking through Citi Travel, limiting flexibility
−Welcome bonus lower than competing premium cards (60K vs 75K-90K)
−Points worth less than competitors when redeemed for cash back (1 cent each)

The Bottom Line

The My Best Buy® Visa® Card has a lower annual fee ($0 vs $95), making it the more accessible option.

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

Explore More

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

Citi Strata Premier Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

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

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

Citi Strata Premier Card

Citi

Annual Fee

$0

$95

Welcome Bonus

—

60,000 Flex point

Base Earn Rate

0.5X

1X

Top Earn Categories

5X Best Buy Purchases

2X Dining

2X Grocery Stores

10X Hotels

10X Car Rentals

10X Attractions

3X Hotels

Network

VISA

MASTERCARD

Key Benefits

None

None

Pros

—

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

Cons

—

−No airport lounge access included
−Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
−10X portal bonus requires booking through Citi Travel, limiting flexibility
−Welcome bonus lower than competing premium cards (60K vs 75K-90K)
−Points worth less than competitors when redeemed for cash back (1 cent each)

The Bottom Line

The My Best Buy® Visa® Card has a lower annual fee ($0 vs $95), making it the more accessible option.

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

Explore More

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

Citi Strata Premier Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

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

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

Citi Strata Premier Card

Citi

Annual Fee

$0

$95

Welcome Bonus

—

60,000 Flex point

Base Earn Rate

0.5X

1X

Top Earn Categories

5X Best Buy Purchases

2X Dining

2X Grocery Stores

10X Hotels

10X Car Rentals

10X Attractions

3X Hotels

Network

VISA

MASTERCARD

Key Benefits

None

None

Pros

—

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

Cons

—

−No airport lounge access included
−Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
−10X portal bonus requires booking through Citi Travel, limiting flexibility
−Welcome bonus lower than competing premium cards (60K vs 75K-90K)
−Points worth less than competitors when redeemed for cash back (1 cent each)

The Bottom Line

The My Best Buy® Visa® Card has a lower annual fee ($0 vs $95), making it the more accessible option.

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

Explore More

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

Citi Strata Premier Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →