Citi Strata Credit Card vs Dillard’s Mastercard®
Both cards cost $0/yr. The Citi Strata Credit Card leads on hotels; the Dillard’s Mastercard® on gas stations.
Card data as of October 11, 2026.
Citi Strata Credit CardCiti · No annual fee
- Dillard’s Mastercard®
Citi · No annual fee
Overview
- Annual fee
- Citi Strata Credit Card$0Dillard’s Mastercard®$0
- Welcome offerCurrent public offer
- Citi Strata Credit Card20,000 pointsDillard’s Mastercard®—
- Rewards
- Citi Strata Credit CardCiti ThankYou RewardsDillard’s Mastercard®Dillard's
- Foreign transaction fee
- Citi Strata Credit Card3%Dillard’s Mastercard®3%
- Network
- Citi Strata Credit CardMastercardDillard’s Mastercard®Mastercard World
Earn ratesPer $1 spent
- Beauty
- Citi Strata Credit Card3xHighestDillard’s Mastercard®1x
- Fitness
- Citi Strata Credit Card3xHighestDillard’s Mastercard®1x
- Gas Stations
- Citi Strata Credit Card3xHighestDillard’s Mastercard®2x
- Grocery Stores
- Citi Strata Credit Card3xHighestDillard’s Mastercard®2x
- Live Entertainment
- Citi Strata Credit Card3xHighestDillard’s Mastercard®1x
- Pet
- Citi Strata Credit Card3xHighestDillard’s Mastercard®1x
- Streaming
- Citi Strata Credit Card3xHighestDillard’s Mastercard®1x
- Top Spend Category
- Citi Strata Credit Card3xHighestDillard’s Mastercard®1x
- Transit
- Citi Strata Credit Card3xHighestDillard’s Mastercard®1x
- Dining
- Citi Strata Credit Card2xHighestDillard’s Mastercard®1x
- Everything else
- Citi Strata Credit Card1xDillard’s Mastercard®1x
Perks & access— means none on record
- Other perks
- Citi Strata Credit Card
- Citi Entertainment
- Points transfer
Dillard’s Mastercard®- 10% Welcome Shopping Pass
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Citi Strata Credit Card
- Mastercard® ID Theft Protection
- Zero Liability on unauthorized transactions
- Purchase Protection up to $1,000 per claim
Dillard’s Mastercard®- Zero Liability on unauthorized transactions
- Other protections
- Citi Strata Credit Card
- Citi Travel®
- FICO score monitoring
- 24/7 lost/stolen card assistance worldwide
Dillard’s Mastercard®—
Pros & cons
- Pros
- 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)
Dillard’s Mastercard®— - Cons
- 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
Dillard’s Mastercard®—
Category-by-Category Winner
The Citi Strata Credit Card wins in 4 of 4 categories. The Dillard’s Mastercard® leads in 0. 9 more categories depend on booking channel or caps.
Hotels
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
Car Rentals
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Credit Card earns 5X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
Grocery Stores
Citi Strata Credit Card earns 3X vs 2X
Gas Stations
Citi Strata Credit Card earns 3X vs 2X
Transit
Citi Strata Credit Card earns 3X vs 1X
Top Spend Category
Depends: Must select category at citi.com/selfselect
Citi Strata Credit Card earns 3X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
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.
Citi Strata Credit Card earns 3X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
Fitness
Depends: 3X applies only if fitness clubs 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.
Citi Strata Credit Card earns 3X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
Live Entertainment
Depends: 3X applies only if live entertainment 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.
Citi Strata Credit Card earns 3X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
Pet
Depends: 3X applies only if pet supply stores 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.
Citi Strata Credit Card earns 3X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
Streaming
Depends: 3X applies while Select Streaming Services is 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; it is the default at account opening.
Citi Strata Credit Card earns 3X when conditions are met; Dillard’s Mastercard® earns 1X (1X without restrictions)
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 Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Citi Strata Credit Card | Dillard’s Mastercard® | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $317 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $317 Year one: $637 | Rewards: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $150 | Citi Strata Credit Card | Citi Strata Credit Card |
| Heavy spender: $4,000/month | Rewards: $1,267 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,267 Year one: $1,587 | Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $600 | Citi Strata Credit Card | Citi Strata Credit Card |
Which Card Is Right for You?
Get the Citi Strata Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
Both scenarios favor the Citi Strata Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the Citi Strata Credit Card or Dillard’s Mastercard®?
- 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 Strata Credit Card or the Dillard’s Mastercard®?
- 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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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 11, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.