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All comparisons
Head-to-head, 2026

Bilt Bilt Blue Card Citi Strata Premier

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Bilt Bilt Blue Card

Bilt

Bilt Blue Card

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 3×restaurants · Bilt Rewards
  • 2×travel · Bilt Rewards
  • 1×all other purchases · Bilt Rewards
  • 1×rent · Bilt Rewards

Key benefits

  • Welcome Offer: $100 Bilt Cash · $100
  • Elite Status Bilt Cash Bonus · $50
  • No Transaction Fee on Housing Payments · $0
  • Bilt Housing Payment Credit Line Protection · $0
  • No Foreign Transaction Fees · $0
Full Bilt Bilt Blue Card review

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×car rentals · Citi ThankYou Points
  • 10×attractions · Citi ThankYou Points
  • 10×hotels · Citi ThankYou Points
  • 3×hotels · Citi ThankYou Points

Key benefits

  • Points Transfer to Partners · $150
  • $200 Annual Hotel Benefit · $100
  • Travel Protection Benefits · $50
  • No Foreign Transaction Fees · $30
  • Citi Entertainment® · $20
Full Citi Strata Premier review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

Get my personal answer