Which card earns more rewards, the My Best Buy® Visa® Card or Citi Strata Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the My Best Buy® Visa® Card or Citi Strata Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the My Best Buy® Visa® Card or Citi Strata Credit Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

My Best Buy® Visa® Card vs Citi Strata Credit Card

Both cards cost $0/yr. The My Best Buy® Visa® Card is better for best buy purchases, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	My Best Buy® Visa® Card	Citi Strata Credit Card
Best Buy Purchases	5X	1X
Cosmetics	0.5X	3X
Fitness & Gyms	0.5X	3X
Gas Stations	0.5X	3X
Grocery Stores	2X	3X
Live Entertainment	0.5X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

—

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 11 categories. The My Best Buy® Visa® Card leads in 1.

Best Buy Purchases

My Best Buy® Visa® Card earns 5X vs 1X

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Gas Stations

Citi Strata Credit Card earns 3X vs 0.5X

Transit

Citi Strata Credit Card earns 3X vs 0.5X

Rotating Category

Citi Strata Credit Card earns 3X vs 0.5X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 0.5X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 0.5X

Live Entertainment

Citi Strata Credit Card earns 3X vs 0.5X

Pet Shops

Citi Strata Credit Card earns 3X vs 0.5X

The Bottom Line

For everyday spending, the Citi Strata Credit Card earns more with its 1X base rate.

Frequently Asked Questions

Which card earns more rewards, the My Best Buy® Visa® Card or Citi Strata Credit Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.
Should I get the My Best Buy® Visa® Card or the Citi Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

My Best Buy® Visa® Card vs Citi Strata Credit Card

Both cards cost $0/yr. The My Best Buy® Visa® Card is better for best buy purchases, while the Citi Strata Credit Card wins on travel. Here's how they compare.