Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Nibbles Pet Rewards Credit Card wins on pet shops. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Nibbles Pet Rewards Credit Card |
|---|---|---|
| Cosmetics | 3X | 1X |
| Fitness & Gyms | 3X | 1X |
| Gas Stations | 3X | 1X |
| Grocery Stores | 3X | 1X |
| Live Entertainment | 3X | 1X |
| Pet Stores | 3X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 10 categories. The Nibbles Pet Rewards Credit Card leads in 1.
Grocery Stores
Citi Strata Credit Card earns 3X vs 1X
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
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
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.
Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Nibbles Pet Rewards Credit Card wins on pet shops. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Nibbles Pet Rewards Credit Card |
|---|---|---|
| Cosmetics | 3X | 1X |
| Fitness & Gyms | 3X | 1X |
| Gas Stations | 3X | 1X |
| Grocery Stores | 3X | 1X |
| Live Entertainment | 3X | 1X |
| Pet Stores | 3X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 10 categories. The Nibbles Pet Rewards Credit Card leads in 1.
Grocery Stores
Citi Strata Credit Card earns 3X vs 1X
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
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
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.
Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Nibbles Pet Rewards Credit Card wins on pet shops. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Citi Strata Credit Card | Nibbles Pet Rewards Credit Card |
|---|---|---|
| Cosmetics | 3X | 1X |
| Fitness & Gyms | 3X | 1X |
| Gas Stations | 3X | 1X |
| Grocery Stores | 3X | 1X |
| Live Entertainment | 3X | 1X |
| Pet Stores | 3X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 10 categories. The Nibbles Pet Rewards Credit Card leads in 1.
Grocery Stores
Citi Strata Credit Card earns 3X vs 1X
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
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
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.
| Rotating Category | 3X | 1X |
| Streaming | 3X | 1X |
| Transit | 3X | 1X |
| Veterinary | 1X | 3X |
| Dining | 2X | 1X |
| Everything Else | 1X | 1X |
Veterinary
Nibbles Pet Rewards Credit Card earns 3X vs 1X
Get the Citi Strata Credit Card if you:
| Rotating Category | 3X | 1X |
| Streaming | 3X | 1X |
| Transit | 3X | 1X |
| Veterinary | 1X | 3X |
| Dining | 2X | 1X |
| Everything Else | 1X | 1X |
Veterinary
Nibbles Pet Rewards Credit Card earns 3X vs 1X
Get the Citi Strata Credit Card if you:
| Rotating Category | 3X | 1X |
| Streaming | 3X | 1X |
| Transit | 3X | 1X |
| Veterinary | 1X | 3X |
| Dining | 2X | 1X |
| Everything Else | 1X | 1X |
Veterinary
Nibbles Pet Rewards Credit Card earns 3X vs 1X
Get the Citi Strata Credit Card if you: