Is the Citi Strata Card the Secret Weapon for Earning Big Without Ever Paying a Fee?
TPG lead writer Katie Genter loves the Wyndham Rewards program and has secured award stays for just 7,500 points per night in Jeju, South Korea, and 15,000 points per night in Hawaii.
Related: Is booking Japan Airlines award flights via JetBlue TrueBlue the best new sweet spot?
Which cards compete with the Citi Strata Card?
While the Citi Strata comes with no annual fee and offers stellar earning rates, here are some other cards to consider if you prefer another issuer or a simpler card:
- If you want to earn cash back on online purchases: The Blue Cash Everyday® Card from American Express earns similarly to the Citi Strata at U.S. supermarkets and U.S. gas stations. It also earns 3% cash back on U.S. online retail purchases, but all the bonus categories only earn bonus cash back for up to $6,000 in purchases for each category per calendar year, then 1%. (Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or at amazon.com checkout.) To learn more, read our full review of the Amex Blue Cash Everyday Card.
- If you want to earn Chase Ultimate Rewards points: The Chase Freedom Unlimited has fewer bonus categories, earning bonus cash back at drugstores and on Chase Travel℠ purchases and dining (including takeout and eligible delivery services). The best aspect of the card is the ability to earn 1.5% cash back on all other purchases, making it excellent for everyday purchases. If you have a premium Chase Ultimate Rewards card like the Chase Sapphire Reserve® (see rates and fees), you can combine your rewards from the Freedom Unlimited. To learn more, read our full review of the Freedom Unlimited.
- If you want a simple earning rate: The Citi Double Cash® Card (see rates and fees) earns 2% cash back on all purchases: 1% when you buy and 1% when you pay off your statement bill. Cardholders can also convert cash back to ThankYou points with an eligible credit card that earns Citi ThankYou Rewards points. To learn more, read our full review of the Citi Double Cash.
For additional options, check out our full list of no-annual-fee cards.
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