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 CitiĀ® Diamond PreferredĀ® Card is better for dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | CitiĀ® Diamond PreferredĀ® 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 |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 10 categories. The CitiĀ® Diamond PreferredĀ® Card leads in 1.
Entertainment
CitiĀ® Diamond PreferredĀ® 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
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 CitiĀ® Diamond PreferredĀ® Card is better for dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | CitiĀ® Diamond PreferredĀ® 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 |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 10 categories. The CitiĀ® Diamond PreferredĀ® Card leads in 1.
Entertainment
CitiĀ® Diamond PreferredĀ® 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
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 CitiĀ® Diamond PreferredĀ® Card is better for dining, while the Citi Strata Credit Card wins on travel. Here's how they compare.
Annual Fee
Welcome Bonus
| Category | CitiĀ® Diamond PreferredĀ® 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 |
Network
Key Benefits
Pros
Cons
The Citi Strata Credit Card wins in 9 of 10 categories. The CitiĀ® Diamond PreferredĀ® Card leads in 1.
Entertainment
CitiĀ® Diamond PreferredĀ® 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
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.
| Rotating Category | 1X | 3X |
| Streaming | 2X | 3X |
| Transit | 1X | 3X |
| Dining | 2X | 2X |
| Entertainment | 2X | 1X |
| Everything Else | 1X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Get the Citi Strata Credit Card if you:
| Rotating Category | 1X | 3X |
| Streaming | 2X | 3X |
| Transit | 1X | 3X |
| Dining | 2X | 2X |
| Entertainment | 2X | 1X |
| Everything Else | 1X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Get the Citi Strata Credit Card if you:
| Rotating Category | 1X | 3X |
| Streaming | 2X | 3X |
| Transit | 1X | 3X |
| Dining | 2X | 2X |
| Entertainment | 2X | 1X |
| Everything Else | 1X | 1X |
Pet Shops
Citi Strata Credit Card earns 3X vs 1X
Get the Citi Strata Credit Card if you: