Which card earns more rewards, the Citi® Diamond Preferred® Card or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi® Diamond Preferred® 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 Citi® Diamond Preferred® Card or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi® Diamond Preferred® 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 Citi® Diamond Preferred® Card or Citi Strata Credit Card?

Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the Citi® Diamond Preferred® 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.

Citi® Diamond Preferred® Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Citi® Diamond Preferred® Card is better for dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.

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Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

30,000 Flex point

Earn Rates

Category	Citi® Diamond Preferred® Card	Citi Strata Credit Card
Cosmetics	1X	3X
Fitness & Gyms	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Live Entertainment	1X	3X
Pet Stores	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+Extended 0% intro APR period on balance transfers (typically 21 months)
+No annual fee
+Earns 2x Citi ThankYou Points on dining, entertainment, and streaming
+1x points on all other purchases
+Access to Citi Entertainment for event presales

+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

−Balance transfer fee applies (typically 5%)
−3% foreign transaction fee
−No purchase protection or extended warranty benefits
Limited value after promotional period ends

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 10 categories. The Citi® Diamond Preferred® Card leads in 1.

Entertainment

Citi® Diamond Preferred® Card earns 2X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 2X

Grocery Stores

Citi Strata Credit Card earns 3X 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

Frequently Asked Questions

Which card earns more rewards, the Citi® Diamond Preferred® Card or Citi Strata Credit Card?: Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the Citi® Diamond Preferred® 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.

Citi® Diamond Preferred® Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Citi® Diamond Preferred® Card is better for dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.

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