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.

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.

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.

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.

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.

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 is better for travel, while the Verizon Visa Card wins on verizon purchases. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	Verizon Visa Card
Dining	2X	4X
Gas Stations	3X	4X
Grocery Stores	3X	4X
Verizon Purchases	1X	4X
Cosmetics	3X	1X
Fitness & Gyms	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
+Strong 4% back on Verizon, grocery, gas, and dining
+Solid 2% base rate on all other purchases
+Verizon Dollars automatically apply as bill credit (1:1 value)
+$100 welcome bonus after $500 spend in 2 months

Cons

−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

Category-by-Category Winner

The Citi Strata Credit Card wins in 7 of 11 categories. The Verizon Visa Card leads in 4.

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

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 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.
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

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 Verizon Visa Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Verizon Visa Card wins on verizon purchases. Here's how they compare.