Which card earns more rewards, the Citi Custom Cash 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 Citi Custom Cash 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 Citi Custom Cash 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 Citi Custom Cash 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 Citi Custom Cash 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 Citi Custom Cash 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.

Citi Custom Cash Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Citi Custom Cash Card is better for dining, 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	Citi Custom Cash Card	Citi Strata Credit Card
Dining	5X	2X
Drugstores	5X	1X
Fitness & Gyms	5X	3X
Gas Stations	5X	3X
Grocery Stores	5X	3X
Home Improvement	5X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+Automatic 5% cash back on top spending category with no activation required
+No annual fee makes it easy to keep long-term for credit history
+10 eligible bonus categories including dining, gas, groceries, streaming, and transit
+0% intro APR on balance transfers for 18 months
+Pairs with Strata Premier to unlock ThankYou Points transfer partners

+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

−$500 monthly cap limits value for high spenders (max $25/month in bonus rewards)
3% foreign transaction fee makes it poor for international travel

Category-by-Category Winner

The Citi Custom Cash Card wins in 10 of 13 categories. The Citi Strata Credit Card leads in 3.

Dining

Citi Custom Cash Card earns 5X vs 2X

Drugstores

Citi Custom Cash Card earns 5X vs 1X

Fitness & Gyms

Citi Custom Cash Card earns 5X vs 3X

Gas Stations

Citi Custom Cash Card earns 5X vs 3X

Grocery Stores

Citi Custom Cash Card earns 5X vs 3X

Home Improvement

Citi Custom Cash Card earns 5X vs 1X

Live Entertainment

Citi Custom Cash Card earns 5X vs 3X

Streaming

Citi Custom Cash Card earns 5X vs 3X

Transit

Citi Custom Cash Card earns 5X vs 3X

Frequently Asked Questions

Which card earns more rewards, the Citi Custom Cash 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 Citi Custom Cash 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.

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Official issuer pages: 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.

Citi Custom Cash Card vs Citi Strata Credit Card

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