Which card earns more rewards, the Bilt Blue Card or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Bilt Blue Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Blue Card or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Bilt Blue Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Blue Card or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Bilt Blue Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bilt Blue Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Bilt Blue Card	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Live Entertainment	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+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

−Only 1X points on non-housing purchases (below average for flat-rate cards)
−Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 13 categories. The Bilt Blue Card leads in 4.

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 2X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Citi Strata Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bilt Blue Card or the Citi Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Citi cards

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.

Bilt Blue Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Bilt Blue Card

Cardless

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Bilt Blue Card	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Live Entertainment	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+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

−Only 1X points on non-housing purchases (below average for flat-rate cards)
−Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 13 categories. The Bilt Blue Card leads in 4.

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 2X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Citi Strata Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bilt Blue Card or the Citi Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Citi cards

Bilt Blue Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Bilt Blue Card is better for rent and dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Bilt Blue Card

Cardless

Citi Strata Credit Card

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Bilt Blue Card	Citi Strata Credit Card
Cosmetics	1X	3X
Dining	3X	2X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Live Entertainment	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+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

−Only 1X points on non-housing purchases (below average for flat-rate cards)
−Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 13 categories. The Bilt Blue Card leads in 4.

Lyft

Bilt Blue Card earns 3X vs 1X

Dining

Bilt Blue Card earns 3X vs 2X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Bilt Blue Card or Citi Strata Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Bilt Blue Card or the Citi Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Bilt Blue

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Citi Strata Credit Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · Citi cards

Bilt Blue Card vs Citi Strata Credit Card

Bilt Blue Card

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Blue Card vs Citi Strata Credit Card

Bilt Blue Card

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Blue Card vs Citi Strata Credit Card

Bilt Blue Card

Citi Strata Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?