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Citi Costco Anywhere Visa vs Strata Premier

Both are Citi cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Strata Premier 1.4% 1x base rate
  2. Costco Anywhere Visa 1.0% 1% base rate

Dining

  1. Strata Premier 4.2% 3x
  2. Costco Anywhere Visa 3.0% 3%

Groceries

  1. Strata Premier 4.2% 3x
  2. Costco Anywhere Visa 1.0% 1% base rate

Gas

  1. Strata Premier 4.2% 3x
  2. Costco Anywhere Visa 4.0% 4%, capped

Costco gas

  1. Costco Anywhere Visa 5.0% 5%, capped
  2. Strata Premier 4.2% 3x

Flights

  1. Strata Premier 4.2% 3x
  2. Costco Anywhere Visa 3.0% 3%

Hotels

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata Premier 4.2% 3x
  3. Costco Anywhere Visa 3.0% 3%

Car rental

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata Premier 1.4% 1x base rate
  3. Costco Anywhere Visa 1.0% 1% base rate

Attractions

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata Premier 1.4% 1x base rate
  3. Costco Anywhere Visa 1.0% 1% base rate

Costco

  1. Costco Anywhere Visa 2.0% 2%
  2. Strata Premier 1.4% 1x base rate

What the numbers are doing

Strata Premier tops everything else at 1.4% only because this table values its points at 1.4 cents each. Value them at one cent and Costco Anywhere Visa wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Costco Anywhere Visa $0 and Strata Premier $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Strata Premier takes everything else, dining, groceries and gas, plus 4 more; Costco Anywhere Visa takes costco gas and costco.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata Premier1.4%
DiningStrata Premier4.2%
GroceriesStrata Premier4.2%
GasStrata Premier4.2%
Costco gasCostco Anywhere Visa5.0%
FlightsStrata Premier4.2%
HotelsStrata Premier · Citi Travel14.0%
Car rentalStrata Premier · Citi Travel14.0%
AttractionsStrata Premier · Citi Travel14.0%
CostcoCostco Anywhere Visa2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Strata Premier — 1.4%
  2. Costco Anywhere Visa — 1.0%

Dining

  1. Strata Premier — 4.2%
  2. Costco Anywhere Visa — 3.0%

Groceries

  1. Strata Premier — 4.2%
  2. Costco Anywhere Visa — 1.0%

Gas

  1. Strata Premier — 4.2%
  2. Costco Anywhere Visa — 4.0%

Costco gas

  1. Costco Anywhere Visa — 5.0%
  2. Strata Premier — 4.2%

Flights

  1. Strata Premier — 4.2%
  2. Costco Anywhere Visa — 3.0%

Hotels

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata Premier — 4.2%
  3. Costco Anywhere Visa — 3.0%

Car rental

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata Premier — 1.4%
  3. Costco Anywhere Visa — 1.0%

Attractions

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata Premier — 1.4%
  3. Costco Anywhere Visa — 1.0%

Costco

  1. Costco Anywhere Visa — 2.0%
  2. Strata Premier — 1.4%

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