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Chase Freedom Unlimited vs Citi Strata Elite Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Freedom UnlimitedChase | Citi Strata Elite CardCiti |
|---|---|---|
| Rating | 4.6/5 | 4.4/5 |
| Annual Fee | $0 | $595 |
| APR | 18.24% - 27.74% | 20.24% - 28.24% |
| Signup Bonus | $250 bonus after spending $500 in 3 months | 75,000 bonus points after spending $6,000 in 3 months |
| Rewards Rate | 5% on travel via Chase, 3% on dining & drugstores, 1.5% on everything else | 10X on hotels, car rentals & attractions via Citi Travel, 5X on flights via Citi Travel, 3X on air travel, restaurants, supermarkets, gas/EV stations, 1X on everything else |
| Credit Score | good | excellent |
| Pros | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point transfers | Up to $300 annual hotel credit and $200 annual Splurge Credit 10X on hotels and 5X on flights via Citi Travel Transfer points to 17+ airline and hotel partners |
| Cons | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks | $595 annual fee is steep for the Citi ecosystem New card — still building out lounge and premium perks Fewer transfer partners than Amex or Chase |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Unlimited
With a 4.6/5 rating, the Chase Freedom Unlimited edges out the Citi Strata Elite Card (4.4/5). No annual fee makes it easy to justify. The Freedom Unlimited is the best no-fee companion card. With 1.5% on everything plus 3% on dining, it earns strong rewards solo — and becomes elite when paired with a Chase Sapphire for point transfers.