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Citi Costco Anywhere Visa vs Strata

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

Dining

  1. Costco Anywhere Visa 3.0% 3%
  2. Strata 2.8% 2x

Groceries

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

Gas

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

Costco gas

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

Flights

  1. Costco Anywhere Visa 3.0% 3%
  2. Strata 1.4% 1x base rate

Hotels

  1. Strata · Citi Travel 7.0% 5x
  2. Costco Anywhere Visa 3.0% 3%
  3. Strata 1.4% 1x base rate

Car rental

  1. Strata · Citi Travel 7.0% 5x
  2. Strata 1.4% 1x base rate
  3. Costco Anywhere Visa 1.0% 1% base rate

Attractions

  1. Strata · Citi Travel 7.0% 5x
  2. Strata 1.4% 1x base rate
  3. Costco Anywhere Visa 1.0% 1% base rate

Public transit

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

Costco

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

What the numbers are doing

Strata 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.

Where they differ: Strata takes everything else, groceries, gas and hotels, plus 3 more; Costco Anywhere Visa takes dining, costco gas, flights and costco.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata1.4%
DiningCostco Anywhere Visa3.0%
GroceriesStrata4.2%
GasStrata4.2%
Costco gasCostco Anywhere Visa5.0%
FlightsCostco Anywhere Visa3.0%
HotelsStrata · Citi Travel7.0%
Car rentalStrata · Citi Travel7.0%
AttractionsStrata · Citi Travel7.0%
Public transitStrata4.2%
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 — 1.4%
  2. Costco Anywhere Visa — 1.0%

Dining

  1. Costco Anywhere Visa — 3.0%
  2. Strata — 2.8%

Groceries

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

Gas

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

Costco gas

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

Flights

  1. Costco Anywhere Visa — 3.0%
  2. Strata — 1.4%

Hotels

  1. Strata · Citi Travel — 7.0%
  2. Costco Anywhere Visa — 3.0%
  3. Strata — 1.4%

Car rental

  1. Strata · Citi Travel — 7.0%
  2. Strata — 1.4%
  3. Costco Anywhere Visa — 1.0%

Attractions

  1. Strata · Citi Travel — 7.0%
  2. Strata — 1.4%
  3. Costco Anywhere Visa — 1.0%

Public transit

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

Costco

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

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