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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Citi Strata Elite

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Strata Elite

Citi Strata Elite

$595/yr

Every $1 · two cards

Bilt Palladium Card earns more in 6 of 9 categories · Citi Strata Elite in 3

  • Dining
    2×4.4¢ per $1
    3×5.7¢ per $1
  • Groceries
    2×4.4¢ per $1
    1.5×2.85¢ per $1
  • Gas
    2×4.4¢ per $1
    1.5×2.85¢ per $1
  • Flights
    3×6.6¢ per $1

    via Bilt Travel

    6×11.4¢ per $1

    via Citi Travel

  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    12×22.8¢ per $1

    via Citi Travel

  • Everything else
    2×4.4¢ per $1
    1.5×2.85¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Bilt Bilt Palladium CardBigger welcome offer: Citi Strata Elite

Bilt

Bilt Palladium Card

Annual fee
$495
Network
mastercard
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Bilt dining · Bilt Points
  • 4×Everyday purchases · Bilt Cash
  • 4×Lyft · Bilt Points
  • 4×Hotels · Bilt Points

Key benefits

  • $400 Bilt Travel Hotel Credit · $200
  • $200 of Bilt Cash · $200
  • Concierge Service. · $0
  • No Foreign Transaction Fees · $0
  • Priority Pass Membership · $0
Full Bilt Bilt Palladium Card review

Citi

Strata Elite

Annual fee
$595
Network
mastercard
Welcome value
~$1,425
Min spend
$6,000 / 3mo

Top earning rates

  • 12×Hotels, Car Rentals, and Attractions · ThankYou® Rewards
  • 6×Air Travel · ThankYou® Rewards
  • 6×Restaurants on Citi Nights® purchases · ThankYou® Rewards
  • 3×Restaurants any other time · ThankYou® Rewards

Key benefits

  • Citigold Private Client Relationship Credit · $595
  • Up to $300 Annual Hotel Benefit · $300
  • $200 Annual Splurge Credit · $200
  • Citigold Relationship Credit · $145
  • Global Entry or TSA PreCheck Credit · $120
Full Citi Strata Elite 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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