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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 CardBigger welcome offer: Citi Strata Premier

Bilt

Bilt Blue Card

Annual fee
$0
Network
mastercard
Welcome value
$100
Min spend
$0

Top earning rates

  • 4×Everyday Spend
  • 4×Bilt dining partners · Bilt Points
  • 3×Hotels · Bilt Points
  • 3×Lyft · Bilt Points

Key benefits

  • Rent Day double points · $0
  • No transaction fees on housing payments · $0
  • MasterRental Coverage · $0
  • Cellular Wireless Telephone Protection · $0
  • No-fee authorized users · $0
Full Bilt Bilt Blue Card review

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
~$1,140
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels, Car Rentals and Attractions · ThankYou Rewards
  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • No Authorized User Fee · $0
  • Mastercard ID Theft Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
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.

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