Which card earns more rewards, the Chime Card™ Visa Credit Card or Citi Strata Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Chime Card™ Visa Credit 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.

Chime Card™ Visa Credit Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Chime Card™ Visa Credit Card leads on top spend category; the Citi Strata Credit Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Chime Card™ Visa Credit Card Stride Bank · No annual fee	Citi Strata Credit Card Citi · No annual fee
Annual fee	$0	$0
Welcome offerCurrent public offer	—	20,000 points
Rewards	—	Citi ThankYou Rewards
Foreign transaction fee	None Lowest	3%
Network	Visa	Mastercard
Earn ratesPer $1 spent
Top Spend Category	5x Highest	3x
Beauty	— Rate not published	3x
Fitness	— Rate not published	3x
Gas Stations	— Rate not published	3x
Grocery Stores	— Rate not published	3x
Live Entertainment	— Rate not published	3x
Pet	— Rate not published	3x
Streaming	— Rate not published	3x
Transit	— Rate not published	3x
Dining	— Rate not published	2x
Everything else	— Rate not published	1x
Perks & access— means none on record
Other perks	Credit building with reporting No annual fees or interest charges Autopay ensures 100% on-time payments Cash access at 47,000+ fee-free ATMs Apply with no credit check required Utilization not reported to credit bureaus	Citi Entertainment Points transfer
Protections & insuranceLimits where published · — means none on record
Purchase & returns	Zero Liability on unauthorized charges	Mastercard® ID Theft Protection Zero Liability on unauthorized transactions Purchase Protection up to $1,000 per claim
Other protections	SpotMe covers up to $200 fee-free 24/7 lost/stolen card assistance worldwide	Citi Travel® FICO score monitoring 24/7 lost/stolen card assistance worldwide
Pros & cons
Pros	No annual fee, no interest, no late fees, no foreign transaction fees 5% cash back on a category of your choice with qualifying direct deposit No credit check required for approval Reports to all three major credit bureaus (Experian, Equifax, TransUnion) Does not report utilization — spending up to limit won't hurt credit score	No annual fee 20,000 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	Requires Chime Checking Account with qualifying direct deposit Credit limit limited to the amount you transfer (max $10,000) Cannot transition to unsecured card — no upgrade path No traditional revolving credit — must pay balance in full Cashback only on one category of choice, not all purchases	3% foreign transaction fee 5X rate requires booking through Citi Travel portal Self-Select category can only change quarterly Lower transfer value compared to premium ThankYou cards
	Card details	Card details

Chime Card™ Visa Credit Card
Stride Bank · No annual fee
Citi Strata Credit Card
Citi · No annual fee

Overview

Annual fee: Chime Card™ Visa Credit Card
$0
Citi Strata Credit Card
$0
Welcome offerCurrent public offer: Chime Card™ Visa Credit Card
—
Citi Strata Credit Card
20,000 points
Rewards: Chime Card™ Visa Credit Card
—
Citi Strata Credit Card
Citi ThankYou Rewards
Foreign transaction fee: Chime Card™ Visa Credit Card
None
Lowest
Citi Strata Credit Card
3%
Network: Chime Card™ Visa Credit Card
Visa
Citi Strata Credit Card
Mastercard

Earn ratesPer $1 spent

Top Spend Category: Chime Card™ Visa Credit Card
5x
Highest
Citi Strata Credit Card
3x
Beauty: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
3x
Fitness: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
3x
Gas Stations: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
3x
Grocery Stores: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
3x
Live Entertainment: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
3x
Pet: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
3x
Streaming: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
3x
Transit: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
3x
Dining: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
2x
Everything else: Chime Card™ Visa Credit Card
—
Rate not published
Citi Strata Credit Card
1x

Perks & access— means none on record

Other perks: Chime Card™ Visa Credit Card
Credit building with reporting
No annual fees or interest charges
Autopay ensures 100% on-time payments
Cash access at 47,000+ fee-free ATMs
Apply with no credit check required
Utilization not reported to credit bureaus
Citi Strata Credit Card
Citi Entertainment
Points transfer

Protections & insuranceLimits where published · — means none on record

Purchase & returns: Chime Card™ Visa Credit Card
Zero Liability on unauthorized charges
Citi Strata Credit Card
Mastercard® ID Theft Protection
Zero Liability on unauthorized transactions
Purchase Protection up to $1,000 per claim
Other protections: Chime Card™ Visa Credit Card
SpotMe covers up to $200 fee-free
24/7 lost/stolen card assistance worldwide
Citi Strata Credit Card
Citi Travel®
FICO score monitoring
24/7 lost/stolen card assistance worldwide

Pros & cons

Pros: Chime Card™ Visa Credit Card
No annual fee, no interest, no late fees, no foreign transaction fees
5% cash back on a category of your choice with qualifying direct deposit
No credit check required for approval
Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
Does not report utilization — spending up to limit won't hurt credit score
Citi Strata Credit Card
No annual fee
20,000 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: Chime Card™ Visa Credit Card
Requires Chime Checking Account with qualifying direct deposit
Credit limit limited to the amount you transfer (max $10,000)
Cannot transition to unsecured card — no upgrade path
No traditional revolving credit — must pay balance in full
Cashback only on one category of choice, not all purchases
Citi Strata Credit Card
3% foreign transaction fee
5X rate requires booking through Citi Travel portal
Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Citi Strata Credit Card wins in 4 of 5 categories. The Chime Card™ Visa Credit Card leads in 1. 8 more categories depend on booking channel or caps.

Top Spend Category

Chime Card™ Visa Credit Card earns 5X vs 3X

Hotels

Depends: via issuer travel portal

Citi Strata Credit Card earns 5X when conditions are met; Chime Card™ Visa Credit Card earns 1X (1X without restrictions)

Car Rentals

Depends: via issuer travel portal

Citi Strata Credit Card earns 5X when conditions are met; Chime Card™ Visa Credit Card earns 1X (1X without restrictions)

Attractions

Depends: via issuer travel portal

Citi Strata Credit Card earns 5X when conditions are met; Chime Card™ Visa Credit Card earns 1X (1X without restrictions)

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

Dining

Citi Strata Credit Card earns 2X vs 1X

Beauty

Depends: 3X applies only if cosmetic stores/barber shops/hair salons is chosen as the one Self-Select Category (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores), changeable once each calendar quarter; the default is Select Streaming Services.