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Citi Custom Cash Card vs Citi Strata Elite Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Citi Custom Cash CardCiti | Citi Strata Elite CardCiti |
|---|---|---|
| Rating | 4.5/5 | 4.4/5 |
| Annual Fee | $0 | $595 |
| APR | 17.49% - 27.49% | 20.24% - 28.24% |
| Signup Bonus | $200 cash back after spending $1,500 in 6 months | 75,000 bonus points after spending $6,000 in 3 months |
| Rewards Rate | 5% on your top eligible spend category each billing cycle (up to $500 spent), 4% on hotels/cars/attractions via Citi Travel, 1% 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 | 5% on your top spending category automatically — no activation needed 10 eligible 5% categories including dining, groceries, gas, streaming 0% intro APR for 18 months on balance 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 | $500/billing cycle cap on 5% category Only 1% on non-top-category spending Limit of one Citi Custom Cash card per person | $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: Citi Custom Cash Card
With a 4.5/5 rating, the Citi Custom Cash Card edges out the Citi Strata Elite Card (4.4/5). No annual fee makes it easy to justify. The Citi Custom Cash automatically gives you 5% back on whichever eligible category you spend the most in each billing cycle. No sign-ups, no rotating — just spend and it adjusts.