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All comparisons
Head-to-head, 2026

Citi Strata Premier Gemini Gemini Credit 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

  • 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
Full Citi Strata Premier review

Gemini

Gemini Credit Card

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

Top earning rates

  • 3×Dining
  • 2×Groceries
  • 1×All other purchases

Key benefits

  • Instant crypto reward deposits · $0
  • Instant digital card access · $0
  • No Foreign Transaction Fees · $0
  • Choice of 50+ crypto reward currencies · $0
Full Gemini Gemini Credit 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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