Which card earns more rewards, the Choice Privileges Select Mastercard or Citi Strata Premier Card?

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

What benefits does the Choice Privileges Select Mastercard have that the Citi Strata Premier Card doesn't?

The Choice Privileges Select Mastercard offers cell phone protection. The Citi Strata Premier Card focuses more on earn rates than premium perks.

Should I get the Choice Privileges Select Mastercard or the Citi Strata Premier Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Choice Privileges Select Mastercard vs Citi Strata Premier Card

Both cards cost $95/yr. The Choice Privileges Select Mastercard leads on gas stations; the Citi Strata Premier Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Choice Privileges Select Mastercard Wells Fargo · $95/yr	Citi Strata Premier Card Citi · $95/yr
Annual fee	$95	$95
Welcome offerCurrent public offer	60,000 points	60,000 points
Rewards	Choice Privileges Points	Citi ThankYou Rewards
Foreign transaction fee	None	None
Network	Mastercard World Elite	Mastercard World Elite
Earn ratesPer $1 spent
Gas Stations	5x Highest	3x
Grocery Stores	5x Highest	3x
Home Improvement	5x Highest	1x
Telecom	5x Highest	1x
Dining	1x	3x Highest
Flights	1x	3x Highest
Hotels	1x	3x Highest
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$120 Global Entry/TSA PreCheck credit · $120 every 4 years	$100 hotel credit
Perks & access— means none on record
Hotel status & programs	Automatic Platinum Elite status	The Reserve by Citi Travel Luxury Hotel Program
Airline perks	—	ThankYou Points Transfer Partners Airlines and Hotels
Other perks	No foreign transaction fees	Citi Entertainment Presale Tickets and Exclusive Access No Foreign Transaction Fees on International Purchases
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000 Five Hundred Dollar Trip Delay Protection Coverage · up to $500 Travel Protection Benefits
Baggage	—	Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Rental car	—	MasterRental Car Insurance Coverage
Purchase & returns	Zero Liability on unauthorized transactions	Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Extended warranty	—	Extended Warranty Protection Up to Twenty Four Months
Cell phone	Up to $800 cell phone protection	—
Other protections	24/7 lost/stolen card assistance worldwide	Comprehensive identity theft monitoring Free FICO Score Access Through Your Citi Account
Pros & cons
Pros	Automatic Platinum Elite status with meaningful benefits Industry-leading 10x earning at Choice Hotels Strong 5x earning on gas, grocery, home improvement, and phone plans 30,000 anniversary bonus points (worth ~$180 in stays) 20 elite night credits annually	3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases 10X points on hotels, car rentals, and attractions through Citi Travel portal $95 annual fee with no foreign transaction fees Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic No foreign transaction fees for international purchases
Cons	$95 annual fee that may be hard to justify for occasional guests Higher $3,000 spend requirement for welcome bonus vs no-fee card Choice Hotels limited to economy and midscale properties Points value relatively low compared to premium hotel programs No lounge access or premium travel benefits	No airport lounge access included Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt) 10X portal bonus requires booking through Citi Travel, limiting flexibility Welcome bonus lower than competing premium cards (60K vs 75K-90K) Points worth 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel
	Card details	Card details

Choice Privileges Select Mastercard
Wells Fargo · $95/yr
Citi Strata Premier Card
Citi · $95/yr

Overview

Annual fee: Choice Privileges Select Mastercard
$95
Citi Strata Premier Card
$95
Welcome offerCurrent public offer: Choice Privileges Select Mastercard
60,000 points
Citi Strata Premier Card
60,000 points
Rewards: Choice Privileges Select Mastercard
Choice Privileges Points
Citi Strata Premier Card
Citi ThankYou Rewards
Foreign transaction fee: Choice Privileges Select Mastercard
None
Citi Strata Premier Card
None
Network: Choice Privileges Select Mastercard
Mastercard World Elite
Citi Strata Premier Card
Mastercard World Elite

Earn ratesPer $1 spent

Gas Stations: Choice Privileges Select Mastercard
5x
Highest
Citi Strata Premier Card
3x
Grocery Stores: Choice Privileges Select Mastercard
5x
Highest
Citi Strata Premier Card
3x
Home Improvement: Choice Privileges Select Mastercard
5x
Highest
Citi Strata Premier Card
1x
Telecom: Choice Privileges Select Mastercard
5x
Highest
Citi Strata Premier Card
1x
Dining: Choice Privileges Select Mastercard
1x
Citi Strata Premier Card
3x
Highest
Flights: Choice Privileges Select Mastercard
1x
Citi Strata Premier Card
3x
Highest
Hotels: Choice Privileges Select Mastercard
1x
Citi Strata Premier Card
3x
Highest
Everything else: Choice Privileges Select Mastercard
1x
Citi Strata Premier Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Choice Privileges Select Mastercard
$120 Global Entry/TSA PreCheck credit · $120 every 4 years
Citi Strata Premier Card
$100 hotel credit

Perks & access— means none on record

Hotel status & programs: Choice Privileges Select Mastercard
Automatic Platinum Elite status
Citi Strata Premier Card
The Reserve by Citi Travel Luxury Hotel Program
Airline perks: Choice Privileges Select Mastercard
—
Citi Strata Premier Card
ThankYou Points Transfer Partners Airlines and Hotels
Other perks: Choice Privileges Select Mastercard
No foreign transaction fees
Citi Strata Premier Card
Citi Entertainment Presale Tickets and Exclusive Access
No Foreign Transaction Fees on International Purchases

Protections & insuranceLimits where published · — means none on record

Trip insurance: Choice Privileges Select Mastercard
—
Citi Strata Premier Card
Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000
Five Hundred Dollar Trip Delay Protection Coverage · up to $500
Travel Protection Benefits
Baggage: Choice Privileges Select Mastercard
—
Citi Strata Premier Card
Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Rental car: Choice Privileges Select Mastercard
—
Citi Strata Premier Card
MasterRental Car Insurance Coverage
Purchase & returns: Choice Privileges Select Mastercard
Zero Liability on unauthorized transactions
Citi Strata Premier Card
Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Extended warranty: Choice Privileges Select Mastercard
—
Citi Strata Premier Card
Extended Warranty Protection Up to Twenty Four Months
Cell phone: Choice Privileges Select Mastercard
Up to $800 cell phone protection
Citi Strata Premier Card
—
Other protections: Choice Privileges Select Mastercard
24/7 lost/stolen card assistance worldwide
Citi Strata Premier Card
Comprehensive identity theft monitoring
Free FICO Score Access Through Your Citi Account

Pros & cons

Pros: Choice Privileges Select Mastercard
Automatic Platinum Elite status with meaningful benefits
Industry-leading 10x earning at Choice Hotels
Strong 5x earning on gas, grocery, home improvement, and phone plans
30,000 anniversary bonus points (worth ~$180 in stays)
20 elite night credits annually
Citi Strata Premier Card
3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases
10X points on hotels, car rentals, and attractions through Citi Travel portal
$95 annual fee with no foreign transaction fees
Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic
No foreign transaction fees for international purchases
Cons: Choice Privileges Select Mastercard
$95 annual fee that may be hard to justify for occasional guests
Higher $3,000 spend requirement for welcome bonus vs no-fee card
Choice Hotels limited to economy and midscale properties
Points value relatively low compared to premium hotel programs
No lounge access or premium travel benefits
Citi Strata Premier Card
No airport lounge access included
Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
10X portal bonus requires booking through Citi Travel, limiting flexibility
Welcome bonus lower than competing premium cards (60K vs 75K-90K)
Points worth 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel

Card details

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

Category-by-Category Winner

The Choice Privileges Select Mastercard wins in 4 of 7 categories. The Citi Strata Premier Card leads in 3. 2 more categories depend on booking channel or caps.

Gas Stations

Choice Privileges Select Mastercard earns 5X vs 3X

Grocery Stores

Choice Privileges Select Mastercard earns 5X vs 3X

Home Improvement

Choice Privileges Select Mastercard earns 5X vs 1X

Telecom

Choice Privileges Select Mastercard earns 5X vs 1X

Hotels

Citi Strata Premier Card earns 10X vs 1X

10X via issuer travel portal

Car Rentals

Depends: via issuer travel portal

Citi Strata Premier Card earns 10X when conditions are met; Choice Privileges Select Mastercard earns 1X (1X without restrictions)

Attractions

Depends: via issuer travel portal

Citi Strata Premier Card earns 10X when conditions are met; Choice Privileges Select Mastercard earns 1X (1X without restrictions)

Dining

Citi Strata Premier Card earns 3X vs 1X

Flights

Citi Strata Premier Card earns 3X vs 1X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Choice Privileges Select Mastercard	Citi Strata Premier Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $192 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $127 Year one: $607	Rewards: $346 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $311 Year one: $1,271	Citi Strata Premier Card	Citi Strata Premier Card
Heavy spender: $4,000/month	Rewards: $768 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $703 Year one: $1,183	Rewards: $1,382 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $1,347 Year one: $2,307	Citi Strata Premier Card	Citi Strata Premier Card

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Citi Strata Premier Card means losing:

-Global Entry credit

Which Card Is Right for You?

Get the Citi Strata Premier Card if you:

+Spend $300+/month on restaurants and dining out

The Bottom Line

Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Choice Privileges Select Mastercard or Citi Strata Premier Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
What benefits does the Choice Privileges Select Mastercard have that the Citi Strata Premier Card doesn't?: The Choice Privileges Select Mastercard offers cell phone protection. The Citi Strata Premier Card focuses more on earn rates than premium perks.
Should I get the Choice Privileges Select Mastercard or the Citi Strata Premier Card?: Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Wells Fargo cards · Citi cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.