Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Birch Lane Mastercard | Citi Strata Credit Card |
|---|---|---|
| Wayfair Brands | 7X | 1X |
| Cosmetics | 1X | 3X |
| Fitness & Gyms | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 3X | 3X |
| Live Entertainment | 1X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 11 categories. The Birch Lane Mastercard leads in 2.
Wayfair Brands
Birch Lane Mastercard earns 7X vs 1X
Online Shopping
Birch Lane Mastercard earns 2X vs 1X
Gas Stations
Citi Strata Credit Card earns 3X vs 1X
Transit
Citi Strata Credit Card earns 3X vs 1X
Rotating Category
Citi Strata Credit Card earns 3X vs 1X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
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.
Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Birch Lane Mastercard | Citi Strata Credit Card |
|---|---|---|
| Wayfair Brands | 7X | 1X |
| Cosmetics | 1X | 3X |
| Fitness & Gyms | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 3X | 3X |
| Live Entertainment | 1X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 11 categories. The Birch Lane Mastercard leads in 2.
Wayfair Brands
Birch Lane Mastercard earns 7X vs 1X
Online Shopping
Birch Lane Mastercard earns 2X vs 1X
Gas Stations
Citi Strata Credit Card earns 3X vs 1X
Transit
Citi Strata Credit Card earns 3X vs 1X
Rotating Category
Citi Strata Credit Card earns 3X vs 1X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
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.
Both cards cost $0/yr. The Birch Lane Mastercard is better for wayfair brands, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | Birch Lane Mastercard | Citi Strata Credit Card |
|---|---|---|
| Wayfair Brands | 7X | 1X |
| Cosmetics | 1X | 3X |
| Fitness & Gyms | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 3X | 3X |
| Live Entertainment | 1X |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 11 categories. The Birch Lane Mastercard leads in 2.
Wayfair Brands
Birch Lane Mastercard earns 7X vs 1X
Online Shopping
Birch Lane Mastercard earns 2X vs 1X
Gas Stations
Citi Strata Credit Card earns 3X vs 1X
Transit
Citi Strata Credit Card earns 3X vs 1X
Rotating Category
Citi Strata Credit Card earns 3X vs 1X
Cosmetic Stores
Citi Strata Credit Card earns 3X vs 1X
Fitness & Gyms
Citi Strata Credit Card earns 3X vs 1X
Live Entertainment
Citi Strata Credit Card earns 3X vs 1X
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
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.
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Online Shopping | 2X | 1X |
| Everything Else | 1X | 1X |
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
Get the Citi Strata Credit Card if you:
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Online Shopping | 2X | 1X |
| Everything Else | 1X | 1X |
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
Get the Citi Strata Credit Card if you:
| Pet Stores | 1X | 3X |
| Rotating Category | 1X | 3X |
| Streaming | 1X | 3X |
| Transit | 1X | 3X |
| Dining | 1X | 2X |
| Online Shopping | 2X | 1X |
| Everything Else | 1X | 1X |
Streaming
Citi Strata Credit Card earns 3X vs 1X
Dining
Citi Strata Credit Card earns 2X vs 1X
Get the Citi Strata Credit Card if you: