Which card earns more rewards, the Citi Strata Credit Card or Marriott Bonvoy Bold 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 Strata Credit Card or the Marriott Bonvoy Bold 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 Strata Credit Card or Marriott Bonvoy Bold 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 Strata Credit Card or the Marriott Bonvoy Bold 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 Strata Credit Card or Marriott Bonvoy Bold 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 Strata Credit Card or the Marriott Bonvoy Bold 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 Strata Credit Card vs Marriott Bonvoy Bold Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Marriott Bonvoy Bold Credit Card wins on marriott hotels. Here's how they compare.

Citi Strata Credit Card

Citi

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

2 Hotel

Earn Rates

Category	Citi Strata Credit Card	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X
Cosmetics	3X	1X
Fitness & Gyms	3X	1X
Gas Stations	3X	1X
Grocery Stores	3X	2X
Live Entertainment	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+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)

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
Self-Select category can only change quarterly

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 14 categories. The Marriott Bonvoy Bold Credit Card leads in 4.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Marriott Bonvoy Bold 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 Strata Credit Card or the Marriott Bonvoy Bold 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.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Blue Cash Everyday vs Marriott Bonvoy Bold Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Chase 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 Strata Credit Card vs Marriott Bonvoy Bold Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Marriott Bonvoy Bold Credit Card wins on marriott hotels. Here's how they compare.

Citi Strata Credit Card

Citi

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

2 Hotel

Earn Rates

Category	Citi Strata Credit Card	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X
Cosmetics	3X	1X
Fitness & Gyms	3X	1X
Gas Stations	3X	1X
Grocery Stores	3X	2X
Live Entertainment	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+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)

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
Self-Select category can only change quarterly

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 14 categories. The Marriott Bonvoy Bold Credit Card leads in 4.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Marriott Bonvoy Bold 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 Strata Credit Card or the Marriott Bonvoy Bold 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.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Blue Cash Everyday vs Marriott Bonvoy Bold Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Chase cards

Citi Strata Credit Card vs Marriott Bonvoy Bold Credit Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Marriott Bonvoy Bold Credit Card wins on marriott hotels. Here's how they compare.

Citi Strata Credit Card

Citi

Marriott Bonvoy Bold Credit Card

Chase

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

2 Hotel

Earn Rates

Category	Citi Strata Credit Card	Marriott Bonvoy Bold Credit Card
Marriott Hotels	1X	14X
Cosmetics	3X	1X
Fitness & Gyms	3X	1X
Gas Stations	3X	1X
Grocery Stores	3X	2X
Live Entertainment	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+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)

+No annual fee makes it risk-free to hold long-term
+Automatic Silver Elite status with 10% bonus on stays and priority late checkout
+5 Elite Night Credits annually toward status qualification
+No foreign transaction fees
+2x earning on everyday categories (groceries, streaming, rideshare, food delivery)

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
Self-Select category can only change quarterly

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 14 categories. The Marriott Bonvoy Bold Credit Card leads in 4.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Marriott Bonvoy Bold 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 Strata Credit Card or the Marriott Bonvoy Bold 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.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Blue Cash Everyday vs Marriott Bonvoy Bold Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Marriott Bonvoy Bold Credit Card — Full Review All Chase Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · Chase cards

Citi Strata Credit Card vs Marriott Bonvoy Bold Credit Card

Citi Strata Credit Card

Marriott Bonvoy Bold Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Citi Strata Credit Card vs Marriott Bonvoy Bold Credit Card

Citi Strata Credit Card

Marriott Bonvoy Bold Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Citi Strata Credit Card vs Marriott Bonvoy Bold Credit Card

Citi Strata Credit Card

Marriott Bonvoy Bold Credit Card

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?