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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.

Lower annual fee: Coinbase Coinbase One Card

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
~$1,140
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels, Car Rentals and Attractions · ThankYou Rewards
  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • No Authorized User Fee · $0
  • Mastercard ID Theft Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
Full Citi Strata Premier review

Coinbase

Coinbase One Card

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

Top earning rates

  • 5×Travel
  • 2.5×Eligible purchases

Key benefits

  • Bitcoin Drops Monthly Sweepstakes · $0
  • Trip Cancellation and Interruption Insurance · $0
  • Amex Offers · $0
  • Amex Experiences · $0
  • Emergency Assistance · $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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