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All comparisons
Head-to-head, 2026

Chase Marriott Bonvoy Bountiful 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: Citi Strata PremierBigger welcome offer: Chase Marriott Bonvoy Bountiful

Chase

Marriott Bonvoy Bountiful

Annual fee
$250
Network
visa
Welcome value
$680
Min spend
$4,000 / 3mo

Top earning rates

  • 6×Marriott Bonvoy properties · Marriott Bonvoy
  • 4×Groceries · Marriott Bonvoy
  • 4×Dining · Marriott Bonvoy
  • 2×All other purchases · Marriott Bonvoy

Key benefits

  • 50,000-point Free Night Award (Spend Tier) · $400
  • $10 quarterly DoorDash non-restaurant discount · $10
  • 15 Elite Night Credits · $0
  • Baggage Delay Insurance · $0
  • Lost Luggage Reimbursement · $0
Full Chase Marriott Bonvoy Bountiful review

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
$600
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Car rentals · Citi ThankYou Rewards
  • 10×Attractions · Citi ThankYou Rewards
  • 10×Hotels · Citi ThankYou Rewards
  • 3×Hotels · Citi ThankYou Rewards

Key benefits

  • $100 Annual Hotel Benefit · $100
  • Trip Delay Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
  • The Reserve by Citi Travel Hotel Benefits · $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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