Editorial 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.
Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Unlimited | Citi Strata Credit Card |
|---|---|---|
| Cosmetics | 1.5X | 3X |
| Dining | 3X | 2X |
| Drugstores | 3X | 1X |
| Fitness & Gyms | 1.5X | 3X |
| Gas Stations | 1.5X | 3X |
| Grocery Stores | 1.5X | 3X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 12 categories. The Chase Freedom Unlimited leads in 3.
Dining
Chase Freedom Unlimited earns 3X vs 2X
Drugstores
Chase Freedom Unlimited earns 3X vs 1X
Grocery Stores
Citi Strata Credit Card earns 3X vs 1.5X
Gas Stations
Citi Strata Credit Card earns 3X vs 1.5X
Transit
Citi Strata Credit Card earns 3X vs 1.5X
Rotating Category
Citi Strata Credit Card earns 3X vs 1.5X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1.5X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1.5X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1.5X
For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.
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.
Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Unlimited | Citi Strata Credit Card |
|---|---|---|
| Cosmetics | 1.5X | 3X |
| Dining | 3X | 2X |
| Drugstores | 3X | 1X |
| Fitness & Gyms | 1.5X | 3X |
| Gas Stations | 1.5X | 3X |
| Grocery Stores | 1.5X | 3X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 12 categories. The Chase Freedom Unlimited leads in 3.
Dining
Chase Freedom Unlimited earns 3X vs 2X
Drugstores
Chase Freedom Unlimited earns 3X vs 1X
Grocery Stores
Citi Strata Credit Card earns 3X vs 1.5X
Gas Stations
Citi Strata Credit Card earns 3X vs 1.5X
Transit
Citi Strata Credit Card earns 3X vs 1.5X
Rotating Category
Citi Strata Credit Card earns 3X vs 1.5X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1.5X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1.5X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1.5X
For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.
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.
Both cards cost $0/yr. The Chase Freedom Unlimited is better for travel, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Chase Freedom Unlimited | Citi Strata Credit Card |
|---|---|---|
| Cosmetics | 1.5X | 3X |
| Dining | 3X | 2X |
| Drugstores | 3X | 1X |
| Fitness & Gyms | 1.5X | 3X |
| Gas Stations | 1.5X | 3X |
| Grocery Stores | 1.5X | 3X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 12 categories. The Chase Freedom Unlimited leads in 3.
Dining
Chase Freedom Unlimited earns 3X vs 2X
Drugstores
Chase Freedom Unlimited earns 3X vs 1X
Grocery Stores
Citi Strata Credit Card earns 3X vs 1.5X
Gas Stations
Citi Strata Credit Card earns 3X vs 1.5X
Transit
Citi Strata Credit Card earns 3X vs 1.5X
Rotating Category
Citi Strata Credit Card earns 3X vs 1.5X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1.5X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1.5X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1.5X
For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.
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.
| Live Entertainment | 1.5X | 3X |
| Pet Stores | 1.5X | 3X |
| Rotating Category | 1.5X | 3X |
| Streaming | 1.5X | 3X |
| Transit | 1.5X | 3X |
| Everything Else | 1.5X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1.5X
Streaming
Citi Strata Credit Card earns 3X vs 1.5X
Everyday purchases
Chase Freedom Unlimited earns 1.5X on all other spending vs 1X
Get the Chase Freedom Unlimited if you:
Get the Citi Strata Credit Card if you:
| Live Entertainment | 1.5X | 3X |
| Pet Stores | 1.5X | 3X |
| Rotating Category | 1.5X | 3X |
| Streaming | 1.5X | 3X |
| Transit | 1.5X | 3X |
| Everything Else | 1.5X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1.5X
Streaming
Citi Strata Credit Card earns 3X vs 1.5X
Everyday purchases
Chase Freedom Unlimited earns 1.5X on all other spending vs 1X
Get the Chase Freedom Unlimited if you:
Get the Citi Strata Credit Card if you:
| Live Entertainment | 1.5X | 3X |
| Pet Stores | 1.5X | 3X |
| Rotating Category | 1.5X | 3X |
| Streaming | 1.5X | 3X |
| Transit | 1.5X | 3X |
| Everything Else | 1.5X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1.5X
Streaming
Citi Strata Credit Card earns 3X vs 1.5X
Everyday purchases
Chase Freedom Unlimited earns 1.5X on all other spending vs 1X
Get the Chase Freedom Unlimited if you:
Get the Citi Strata Credit Card if you: