All comparisons
Head-to-head, 2026
Citi Custom Cash Citi Strata Premier
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
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
- $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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