Which card earns more rewards, the Chase Freedom Unlimited or Citi Strata Credit Card?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited or Citi Strata Credit Card?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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 Chase Freedom Unlimited or Citi Strata Credit Card?

The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Chase Freedom Unlimited 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.

Chase Freedom Unlimited vs Citi Strata Credit Card

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.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

30,000 Flex point

Earn Rates

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

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+1.5% cash back on every purchase with no caps or categories
+5% on Chase Travel, 3% on dining and drugstores
+$200 bonus after $500 spend in 3 months
+0% intro APR for 15 months on purchases and balance transfers
+$0 annual fee with Visa Signature benefits

+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
−1.5% base rate lower than Freedom Flex's 5% rotating categories
−Points worth only 1 cent without Sapphire card pairing

Category-by-Category Winner

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

The Bottom Line

For everyday spending, the Chase Freedom Unlimited earns more with its 1.5X base rate.

Frequently Asked Questions

Which card earns more rewards, the Chase Freedom Unlimited or Citi Strata Credit Card?: The Chase Freedom Unlimited has a higher base earn rate (1.5X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Chase Freedom Unlimited 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

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Explore More

Chase Freedom Unlimited — Full Review All Chase Cards

Citi Strata Credit Card — Full Review All Citi Cards

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Official issuer pages: Chase 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.

Chase Freedom Unlimited vs Citi Strata Credit Card

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.