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All comparisons
Head-to-head, 2026

Citi Strata Premier Coinbase Coinbase One Card

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

Citi

Strata Premier

Annual fee
$0
Network
mastercard
Welcome value
—
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

Coinbase

Coinbase One Card

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

Top earning rates

  • 4×All Purchases
  • 1×All Purchases

Key benefits

  • Bitcoin Drops Monthly Sweepstakes · $0
  • Trip Cancellation/Trip Interruption Insurance · $0
  • Worldwide Travel Inconvenience Insurance · $0
  • No foreign transaction fees · $0
  • Worldwide Car Rental Loss & Damage Insurance · $0
Full Coinbase Coinbase One Card 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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