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All comparisons
Head-to-head, 2026

Citi Custom Cash Citi Strata Elite

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

Lower annual fee: Citi Custom Cash

Citi

Custom Cash

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

Top earning rates

  • 5×top spend category
  • 1×all other purchases

Key benefits

  • ThankYou Point Portability · $50
  • Citi Merchant Offers · $40
  • Citi Entertainment Access · $25
Full Citi Custom Cash review

Citi

Strata Elite

Annual fee
$595
Network
mastercard
Welcome value
$750
Min spend
$6,000 / 3mo

Top earning rates

  • 12×hotels · Citi ThankYou Points
  • 12×car rentals · Citi ThankYou Points
  • 6×flights · Citi ThankYou Points
  • 6×dining · Citi ThankYou Points

Key benefits

  • Citigold Private Client Relationship Credit · $595
  • $300 Annual Travel Credit · $300
  • Annual Hotel Benefit · $300
  • Priority Pass Select Membership · $250
  • Annual Splurge Credit · $200
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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