Decision tool
Compare cards
Two cards, one screen, published facts only. What each one costs, what it earns and where the caps bite — plus who it genuinely doesn't suit, which is the part the comparison sites leave out.
Citi Double CashCiti Custom CashCiti Strata Premier
Annual fee
No annual fee
No annual fee
$95
Earns into
Citi ThankYou Points
Citi ThankYou Points
Citi ThankYou Points
Card type
Personal
Personal
Personal
Restaurants
2x points1% when you buy, 1% when you pay
5x pointsOnly your single highest-spend eligible category each cycle, up to $500
3x points
Groceries
2x points1% when you buy, 1% when you pay
5x pointsOnly your single highest-spend eligible category each cycle, up to $500
3x points
Flights
2x points1% when you buy, 1% when you pay
1x points
3x points
Hotels
2x points1% when you buy, 1% when you pay
1x points
3x points
Travel portal
2x points1% when you buy, 1% when you pay
1x points
1x points
Everything else
2x points1% when you buy, 1% when you pay
1x points
1x points
Who it fits
Anyone who wants a floor under every purchase without thinking about it.
—
People who want transferable points without curating spend into one category.
Who it doesn't
People who genuinely maximise categories and redeem points for travel.
—
Anyone who redeems for statement credits — the categories only pay off on transfers.
Last documented change
September 1, 2022Rewards converted from statement-credit cash back to Citi ThankYou points
Nothing documented
July 21, 2024Citi Premier became Citi Strata Premier, adding 10x on hotels, car rentals, and attractions booked through Citi Travel plus a $100 annual hotel benefit — fee unchanged at $95
Our coverage
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What's the answer?
A table can show you the rates. It can't tell you which one is right for the way you actually spend — and it deliberately doesn't price a point, because that number is an opinion.