CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
The My Best Buy® Visa® Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | My Best Buy® Visa® Card | Citi Strata Premier Card |
|---|---|---|
| Best Buy Purchases | 5X | 1X |
The Citi Strata Premier Card wins in 6 of 7 categories. The My Best Buy® Visa® Card leads in 1.
Best Buy Purchases
My Best Buy® Visa® Card earns 5X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 2X
Grocery Stores
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 0.5X
Gas Stations
Citi Strata Premier Card earns 3X vs 0.5X
Flights
Citi Strata Premier Card earns 3X vs 0.5X
Everyday purchases
Citi Strata Premier Card earns 1X on all other spending vs 0.5X
The Citi Strata Premier Card costs $95/yr — that's $95 more than the My Best Buy® Visa® Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
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.
Choose the My Best Buy® Visa® Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The My Best Buy® Visa® Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | My Best Buy® Visa® Card | Citi Strata Premier Card |
|---|---|---|
| Best Buy Purchases | 5X | 1X |
The Citi Strata Premier Card wins in 6 of 7 categories. The My Best Buy® Visa® Card leads in 1.
Best Buy Purchases
My Best Buy® Visa® Card earns 5X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 2X
Grocery Stores
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 0.5X
Gas Stations
Citi Strata Premier Card earns 3X vs 0.5X
Flights
Citi Strata Premier Card earns 3X vs 0.5X
Everyday purchases
Citi Strata Premier Card earns 1X on all other spending vs 0.5X
The Citi Strata Premier Card costs $95/yr — that's $95 more than the My Best Buy® Visa® Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
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.
Choose the My Best Buy® Visa® Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
The My Best Buy® Visa® Card ($0/yr) is better for everyday value, while the Citi Strata Premier Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | My Best Buy® Visa® Card | Citi Strata Premier Card |
|---|---|---|
| Best Buy Purchases | 5X | 1X |
The Citi Strata Premier Card wins in 6 of 7 categories. The My Best Buy® Visa® Card leads in 1.
Best Buy Purchases
My Best Buy® Visa® Card earns 5X vs 1X
Dining
Citi Strata Premier Card earns 3X vs 2X
Grocery Stores
Citi Strata Premier Card earns 3X vs 2X
Hotels
Citi Strata Premier Card earns 3X vs 0.5X
Gas Stations
Citi Strata Premier Card earns 3X vs 0.5X
Flights
Citi Strata Premier Card earns 3X vs 0.5X
Everyday purchases
Citi Strata Premier Card earns 1X on all other spending vs 0.5X
The Citi Strata Premier Card costs $95/yr — that's $95 more than the My Best Buy® Visa® Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
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.
Choose the My Best Buy® Visa® Card if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier Card if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.
| Dining |
| 2X |
| 3X |
| Flights | 0.5X | 3X |
| Gas Stations | 0.5X | 3X |
| Grocery Stores | 2X | 3X |
| Hotels | 0.5X | 3X |
| Everything Else | 0.5X | 1X |
Network
Key Benefits
Pros
Cons
Get the My Best Buy® Visa® Card if you:
Get the Citi Strata Premier Card if you:
| Dining |
| 2X |
| 3X |
| Flights | 0.5X | 3X |
| Gas Stations | 0.5X | 3X |
| Grocery Stores | 2X | 3X |
| Hotels | 0.5X | 3X |
| Everything Else | 0.5X | 1X |
Network
Key Benefits
Pros
Cons
Get the My Best Buy® Visa® Card if you:
Get the Citi Strata Premier Card if you:
| Dining |
| 2X |
| 3X |
| Flights | 0.5X | 3X |
| Gas Stations | 0.5X | 3X |
| Grocery Stores | 2X | 3X |
| Hotels | 0.5X | 3X |
| Everything Else | 0.5X | 1X |
Network
Key Benefits
Pros
Cons
Get the My Best Buy® Visa® Card if you:
Get the Citi Strata Premier Card if you:
