All comparisons
Head-to-head, 2026
Chase Freedom Unlimited Citi Strata Premier
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Chase
Freedom Unlimited
- Annual fee
- $0
- Network
- visa
- Welcome value
- $200
- Min spend
- $500 / 3mo
Top earning rates
- 5×Travel purchased through Chase Travel
- 3×Dining at restaurants, including takeout and eligible delivery services
- 3×Drugstore purchases
- 2×Qualifying Lyft products and services purchased through the Lyft mobile application
Key benefits
- Quarterly DoorDash non-restaurant discount · $10
- Travel and Emergency Assistance Services · $0
- Freedom's Cashback Moments · $0
- $0 Fraud Liability · $0
Citi
Strata Premier
- Annual fee
- $0
- Network
- mastercard
- Welcome value
- —
- Min spend
- $4,000 / 3mo
Top earning rates
- 3×Air travel and other hotel purchases · ThankYou Points
- 3×Restaurants · ThankYou Points
- 3×Supermarkets · ThankYou Points
- 3×Gas and EV charging stations · ThankYou Points
Key benefits
- $100 Annual Hotel Benefit · $100
- Lost or Damaged Luggage Protection · $0
- MasterRental Coverage · $0
- The Reserve by Citi Travel Hotel Benefits · $0
- Trip Cancellation and Interruption Insurance · $0
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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