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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 eligible spend category
  • 5×Travel (hotels, car rentals, and attractions)
  • 1×All other purchases

Key benefits

  • Free FICO Credit Score · $0
  • Mastercard ID Theft Protection · $0
  • Zero Liability for Card Fraud · $0
Full Citi Custom Cash review

Citi

Strata Elite

Annual fee
$145
Network
mastercard
Welcome value
—
Min spend
$6,000 / 3mo

Top earning rates

  • 12×Hotels, car rentals
  • 6×Air travel
  • 6×Dining
  • 3×Dining

Key benefits

  • $200 Annual Splurge Credit · $200
  • Citigold Relationship Credit · $145
  • Global Entry or TSA PreCheck Credit · $120
  • $200 Annual Blacklane Credit · $100
  • Priority Pass Select · $0
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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