Citi Strata Premier Card vs Wyndham Rewards Earner Plus Card
Both cards cost $95/yr. The Citi Strata Premier Card leads on hotels; the Wyndham Rewards Earner Plus Card on gas stations.
Card data as of October 12, 2026.
Citi Strata Premier CardCiti · $95/yr
- Wyndham Rewards Earner Plus Card
Barclays · $95/yr
Overview
- Annual fee
- Citi Strata Premier Card$95Wyndham Rewards Earner Plus Card$95
- Welcome offerCurrent public offer
- Citi Strata Premier Card60,000 pointsWyndham Rewards Earner Plus CardUp to 100,000 points
- Rewards
- Citi Strata Premier CardCiti ThankYou RewardsWyndham Rewards Earner Plus CardWyndham Rewards
- Foreign transaction fee
- Citi Strata Premier CardNoneWyndham Rewards Earner Plus CardNone
- Network
- Citi Strata Premier CardMastercard World EliteWyndham Rewards Earner Plus CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Citi Strata Premier Card3xWyndham Rewards Earner Plus Card4xHighest
- Gas Stations
- Citi Strata Premier Card3xWyndham Rewards Earner Plus Card4xHighest
- Grocery Stores
- Citi Strata Premier Card3xWyndham Rewards Earner Plus Card4xHighest
- Travel
- Citi Strata Premier Card1xWyndham Rewards Earner Plus Card4xHighest
- Flights
- Citi Strata Premier Card3xWyndham Rewards Earner Plus Card—Rate not published
- Hotels
- Citi Strata Premier Card3xWyndham Rewards Earner Plus Card—Rate not published
- Everything else
- Citi Strata Premier Card1xWyndham Rewards Earner Plus Card—Rate not published
Statement creditsAs the issuer states them · — means none on record
- Travel
- Citi Strata Premier Card
- $100 hotel credit
Wyndham Rewards Earner Plus Card— - Dining & delivery
- Citi Strata Premier Card—Wyndham Rewards Earner Plus Card
- $50 meal delivery credit · $25 every 6 months
Perks & access— means none on record
- Hotel status & programs
- Citi Strata Premier Card
- The Reserve by Citi Travel Luxury Hotel Program
Wyndham Rewards Earner Plus Card- Annual Bonus
- go free® Faster
- Airline perks
- Citi Strata Premier Card
- ThankYou Points Transfer Partners Airlines and Hotels
Wyndham Rewards Earner Plus Card— - Other perks
- Citi Strata Premier Card
- Citi Entertainment Presale Tickets and Exclusive Access
- No Foreign Transaction Fees on International Purchases
Wyndham Rewards Earner Plus Card- Enjoy a Cardmember Booking Discount
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- 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
Wyndham Rewards Earner Plus Card— - Baggage
- Citi Strata Premier Card
- Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Wyndham Rewards Earner Plus Card— - Rental car
- Citi Strata Premier Card
- MasterRental Car Insurance Coverage
Wyndham Rewards Earner Plus Card- Get DIAMOND, Then PLATINUM
- Purchase & returns
- Citi Strata Premier Card
- Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Wyndham Rewards Earner Plus Card— - Extended warranty
- Citi Strata Premier Card
- Extended Warranty Protection Up to Twenty Four Months
Wyndham Rewards Earner Plus Card— - Other protections
- Citi Strata Premier Card
- Comprehensive identity theft monitoring
- Free FICO Score Access Through Your Citi Account
Wyndham Rewards Earner Plus Card—
Pros & cons
- Pros
- 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
Wyndham Rewards Earner Plus Card- Automatic Diamond status in year one, then Platinum status for life of card
- 6x points at Wyndham hotels - strong earning for brand loyalists
- 4x points on travel, including gas, EV charging, rideshare and car rentals - useful for road trips
- 4x points on dining and groceries - solid everyday earning
- 45,000 point welcome bonus worth up to 6 free nights
- Cons
- 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
Wyndham Rewards Earner Plus Card- Wyndham portfolio is primarily budget/midscale hotels
- Points only valuable within Wyndham ecosystem (limited transfer options)
- No lounge access or premium travel protections
- Only 1x earning on non-bonus purchases
- Platinum status benefits are modest (early check-in, car rental upgrades)
Category-by-Category Winner
The Wyndham Rewards Earner Plus Card wins in 4 of 6 categories. The Citi Strata Premier Card leads in 2. 2 more categories depend on booking channel or caps.
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; Wyndham Rewards Earner Plus Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Wyndham Rewards Earner Plus Card earns 1X (1X without restrictions)
Dining
Wyndham Rewards Earner Plus Card earns 4X vs 3X
Gas Stations
Wyndham Rewards Earner Plus Card earns 4X vs 3X
Flights
Citi Strata Premier Card earns 3X vs 1X
Grocery Stores
Wyndham Rewards Earner Plus Card earns 4X vs 3X
Travel
Wyndham Rewards Earner Plus Card earns 4X 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 | Citi Strata Premier Card | Wyndham Rewards Earner Plus Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $346 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $311 Year one: $1,271 | Rewards: $210 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $145 Year one: $460 | Citi Strata Premier Card | Citi Strata Premier Card |
| Heavy spender: $4,000/month | Rewards: $1,382 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $1,347 Year one: $2,307 | Rewards: $840 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $775 Year one: $1,090 | Citi Strata Premier Card | Citi Strata Premier Card |
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 Citi Strata Premier Card or Wyndham Rewards Earner Plus Card?
- The Citi Strata Premier Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
- What benefits does the Citi Strata Premier Card have that the Wyndham Rewards Earner Plus Card doesn't?
- The Citi Strata Premier Card focuses on earn rates, while the Wyndham Rewards Earner Plus Card offers dining credits.
- Should I get the Citi Strata Premier Card or the Wyndham Rewards Earner Plus Card?
- Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
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.