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Citi Custom Cash 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. Custom Cash 1.0% 1% base rate

Dining

  1. Strata Premier 4.2% 3x
  2. Custom Cash 1.0% 1% base rate

Groceries

  1. Strata Premier 4.2% 3x
  2. Custom Cash 1.0% 1% base rate

Gas

  1. Strata Premier 4.2% 3x
  2. Custom Cash 1.0% 1% base rate

Flights

  1. Strata Premier 4.2% 3x
  2. Custom Cash 1.0% 1% base rate

Hotels

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata Premier 4.2% 3x
  3. Custom Cash 1.0% 1% base rate

Car rental

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata Premier 1.4% 1x base rate
  3. Custom Cash 1.0% 1% base rate

Attractions

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Strata Premier 1.4% 1x base rate
  3. Custom Cash 1.0% 1% 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 Custom Cash wins that category instead.

Custom Cash lets you choose one category to earn 5% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

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

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

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. Custom Cash — 1.0%

Dining

  1. Strata Premier — 4.2%
  2. Custom Cash — 1.0%

Groceries

  1. Strata Premier — 4.2%
  2. Custom Cash — 1.0%

Gas

  1. Strata Premier — 4.2%
  2. Custom Cash — 1.0%

Flights

  1. Strata Premier — 4.2%
  2. Custom Cash — 1.0%

Hotels

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata Premier — 4.2%
  3. Custom Cash — 1.0%

Car rental

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata Premier — 1.4%
  3. Custom Cash — 1.0%

Attractions

  1. Strata Premier · Citi Travel — 14.0%
  2. Strata Premier — 1.4%
  3. Custom Cash — 1.0%

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