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All comparisons
Head-to-head, 2026

Citi Strata Premier Robinhood Robinhood Gold Card

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

Lower annual fee: Robinhood Robinhood Gold 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

Robinhood

Robinhood Gold Card

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

Top earning rates

  • 4×Qualifying dining purchase
  • 3×All categories

Key benefits

  • 6-Month DoorDash DashPass Trial · $10
  • Trip Cancellation and Interruption Insurance · $0
  • Travel and Emergency Assistance Services · $0
  • Purchase Security · $0
  • Extended Warranty · $0
Full Robinhood Robinhood Gold 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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