CardRewardsEditorial 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.
The Costco Anywhere Visa Card by Citi ($0/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Elite℠ Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Dining Citi Nights | 6X | 1X |
The Costco Anywhere Visa Card by Citi wins in 4 of 6 categories. The Citi Strata Elite℠ Card leads in 2.
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Gas Stations Costco
Costco Anywhere Visa Card by Citi earns 5X vs 1.5X
Gas Stations
Costco Anywhere Visa Card by Citi earns 4X vs 1.5X
Travel
Costco Anywhere Visa Card by Citi earns 3X vs 1.5X
Costco Warehouse
Costco Anywhere Visa Card by Citi earns 2X vs 1.5X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $595 more than the Costco Anywhere Visa Card by Citi (no annual fee). To justify that gap, you need to extract at least $595 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $595 gap is significant. Choose the Citi Strata Elite℠ Card only if you spend heavily on dining citi nights and dining and will use its premium benefits regularly — otherwise the Costco Anywhere Visa Card by Citi delivers strong value at a fraction of the cost.
The Costco Anywhere Visa Card by Citi has a lower annual fee ($0 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
Choose the Costco Anywhere Visa Card by Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
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.
The Costco Anywhere Visa Card by Citi ($0/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Elite℠ Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Dining Citi Nights | 6X | 1X |
The Costco Anywhere Visa Card by Citi wins in 4 of 6 categories. The Citi Strata Elite℠ Card leads in 2.
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Gas Stations Costco
Costco Anywhere Visa Card by Citi earns 5X vs 1.5X
Gas Stations
Costco Anywhere Visa Card by Citi earns 4X vs 1.5X
Travel
Costco Anywhere Visa Card by Citi earns 3X vs 1.5X
Costco Warehouse
Costco Anywhere Visa Card by Citi earns 2X vs 1.5X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $595 more than the Costco Anywhere Visa Card by Citi (no annual fee). To justify that gap, you need to extract at least $595 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $595 gap is significant. Choose the Citi Strata Elite℠ Card only if you spend heavily on dining citi nights and dining and will use its premium benefits regularly — otherwise the Costco Anywhere Visa Card by Citi delivers strong value at a fraction of the cost.
The Costco Anywhere Visa Card by Citi has a lower annual fee ($0 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
Choose the Costco Anywhere Visa Card by Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
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.
The Costco Anywhere Visa Card by Citi ($0/yr) is better for everyday value, while the Citi Strata Elite℠ Card ($595/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | Citi Strata Elite℠ Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Dining Citi Nights | 6X | 1X |
The Costco Anywhere Visa Card by Citi wins in 4 of 6 categories. The Citi Strata Elite℠ Card leads in 2.
Dining Citi Nights
Citi Strata Elite℠ Card earns 6X vs 1X
Gas Stations Costco
Costco Anywhere Visa Card by Citi earns 5X vs 1.5X
Gas Stations
Costco Anywhere Visa Card by Citi earns 4X vs 1.5X
Travel
Costco Anywhere Visa Card by Citi earns 3X vs 1.5X
Costco Warehouse
Costco Anywhere Visa Card by Citi earns 2X vs 1.5X
Everyday purchases
Citi Strata Elite℠ Card earns 1.5X on all other spending vs 1X
The Citi Strata Elite℠ Card costs $595/yr — that's $595 more than the Costco Anywhere Visa Card by Citi (no annual fee). To justify that gap, you need to extract at least $595 in annual value from the card's higher earn rates and benefits.
The Citi Strata Elite℠ Card offers lounge access, Global Entry/TSA PreCheck credit. Whether that justifies the fee depends on how often you use these benefits.
Bottom line: The $595 gap is significant. Choose the Citi Strata Elite℠ Card only if you spend heavily on dining citi nights and dining and will use its premium benefits regularly — otherwise the Costco Anywhere Visa Card by Citi delivers strong value at a fraction of the cost.
The Costco Anywhere Visa Card by Citi has a lower annual fee ($0 vs $595), making it the more accessible option.
The Citi Strata Elite℠ Card justifies its higher fee with premium perks like lounge access.
Choose the Costco Anywhere Visa Card by Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Elite℠ Card if you travel frequently and can maximize its premium benefits.
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.
| Gas Stations Costco | 1.5X | 5X |
| Gas Stations | 1.5X | 4X |
| Dining | 3X | 3X |
| Travel | 1.5X | 3X |
| Costco Warehouse | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Costco Anywhere Visa Card by Citi means losing:
Get the Citi Strata Elite℠ Card if you:
Get the Costco Anywhere Visa Card by Citi if you:
| Gas Stations Costco | 1.5X | 5X |
| Gas Stations | 1.5X | 4X |
| Dining | 3X | 3X |
| Travel | 1.5X | 3X |
| Costco Warehouse | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Costco Anywhere Visa Card by Citi means losing:
Get the Citi Strata Elite℠ Card if you:
Get the Costco Anywhere Visa Card by Citi if you:
| Gas Stations Costco | 1.5X | 5X |
| Gas Stations | 1.5X | 4X |
| Dining | 3X | 3X |
| Travel | 1.5X | 3X |
| Costco Warehouse | 1.5X | 2X |
| Everything Else | 1.5X | 1X |
Network
Key Benefits
Pros
Cons
Choosing one card means missing out on these benefits from the other.
Choosing Costco Anywhere Visa Card by Citi means losing:
Get the Citi Strata Elite℠ Card if you:
Get the Costco Anywhere Visa Card by Citi if you:
