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The Citi Trifecta, ranked

Citi Strata Premier, Double Cash, Custom Cash — every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Sep 14

Everything else

  1. Double Cash 2.0% 2% base rate
  2. Strata Premier 1.4% 1x base rate
  3. Custom Cash 1.0% 1% base rate

Dining

  1. Strata Premier 4.2% 3x
  2. Double Cash 2.0% 2% base rate
  3. Custom Cash 1.0% 1% base rate

Groceries

  1. Strata Premier 4.2% 3x
  2. Double Cash 2.0% 2% base rate
  3. Custom Cash 1.0% 1% base rate

Gas

  1. Strata Premier 4.2% 3x
  2. Double Cash 2.0% 2% base rate
  3. Custom Cash 1.0% 1% base rate

Flights

  1. Strata Premier 4.2% 3x
  2. Double Cash 2.0% 2% base rate
  3. Custom Cash 1.0% 1% base rate

Hotels

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Double Cash · Citi Travel 5.0% 5%
  3. Strata Premier 4.2% 3x
  4. Double Cash 2.0% 2% base rate
  5. Custom Cash 1.0% 1% base rate

Car rental

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Double Cash · Citi Travel 5.0% 5%
  3. Double Cash 2.0% 2% base rate
  4. Strata Premier 1.4% 1x base rate
  5. Custom Cash 1.0% 1% base rate

Attractions

  1. Strata Premier · Citi Travel 14.0% 10x
  2. Double Cash · Citi Travel 5.0% 5%
  3. Double Cash 2.0% 2% base rate
  4. Strata Premier 1.4% 1x base rate
  5. Custom Cash 1.0% 1% base rate

What the numbers are doing

Abroad the answer flips: Double Cash charges a 3% foreign transaction fee, so once that comes off the rate Strata Premier is the better card for everyday spend.

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 Strata Premier $95, Double Cash $0 and Custom Cash $0 a year, so a thin lead in one category may not cover the difference.

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