Which card earns more rewards, the Citi Strata Credit Card or Verizon Visa Card?

The Citi Strata Credit 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 Credit Card have that the Verizon Visa Card doesn't?

The Citi Strata Credit Card offers travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.

Should I get the Citi Strata Credit Card or the Verizon Visa 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 Verizon Visa Card

Both cards cost $0/yr. The Citi Strata Credit Card leads on travel; the Verizon Visa Card on grocery stores.

Card data as of September 27, 2026.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

20,000 points

$150 statement credit

Earn Rates

Category	Citi Strata Credit Card	Verizon Visa Card
Dining	2X	4X
Gas Stations	3X	4X
Grocery Stores	3X	4X
Beauty	3X	1X
Fitness	3X	1X
Live Entertainment	3X	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

✓Travel credit

✓Travel insurance

✓Purchase protection

✓Travel insurance

✓Rental car insurance

Pros & Cons

Pros

+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)

+No annual fee
+Strong 4% back on Verizon, grocery, gas, and dining
+1% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$150 total welcome offer ($50 after first purchase + $100 after $1,500 spend in 90 days)

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 6 of 9 categories. The Verizon Visa Card leads in 3. 2 more categories depend on booking channel or caps.

Travel

Depends: via issuer travel portal

Citi Strata Credit Card earns 5X when conditions are met; Verizon Visa Card earns 1X (1X without restrictions)

Grocery Stores

Verizon Visa Card earns 4X vs 3X

Gas Stations

Verizon Visa Card earns 4X vs 3X

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; Verizon Visa Card earns 1X (1X without restrictions)

Dining

Verizon Visa Card earns 4X vs 2X

Beauty

Citi Strata Credit Card earns 3X vs 1X

Fitness

Citi Strata Credit Card earns 3X vs 1X

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 Verizon Visa Card?: The Citi Strata Credit 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 Credit Card have that the Verizon Visa Card doesn't?: The Citi Strata Credit Card offers travel credits. The Verizon Visa Card focuses more on earn rates than premium perks.
Should I get the Citi Strata Credit Card or the Verizon Visa 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 · Synchrony cards

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	Verizon Visa Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $317 Credits (our usable estimate): $50 − Annual fee ($0) Ongoing: $367 Year one: $687	Rewards: $264 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $264 Year one: $414	Citi Strata Credit Card	Citi Strata Credit Card
Heavy spender: $4,000/month	Rewards: $1,267 Credits (our usable estimate): $50 − Annual fee ($0) Ongoing: $1,317 Year one: $1,637	Rewards: $1,056 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,056 Year one: $1,206	Citi Strata Credit Card	Citi Strata Credit Card