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 Premier Card ($95/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 Premier Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Gas Stations Costco | 1X | 5X |
The Costco Anywhere Visa Card by Citi wins in 4 of 7 categories. The Citi Strata Premier Card leads in 3.
Hotels
Citi Strata Premier Card earns 3X vs 1X
Gas Stations
Costco Anywhere Visa Card by Citi earns 4X vs 3X
Flights
Citi Strata Premier Card earns 3X vs 1X
Grocery Stores
Citi Strata Premier Card earns 3X vs 1X
Gas Stations Costco
Costco Anywhere Visa Card by Citi earns 5X vs 1X
Travel
Costco Anywhere Visa Card by Citi earns 3X vs 1X
Costco Warehouse
Costco Anywhere Visa Card by Citi earns 2X vs 1X
The Citi Strata Premier Card costs $95/yr — that's $95 more than the Costco Anywhere Visa Card by Citi (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
The Costco Anywhere Visa Card by Citi has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Costco Anywhere Visa Card by Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier 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 Premier Card ($95/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 Premier Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Gas Stations Costco | 1X | 5X |
The Costco Anywhere Visa Card by Citi wins in 4 of 7 categories. The Citi Strata Premier Card leads in 3.
Hotels
Citi Strata Premier Card earns 3X vs 1X
Gas Stations
Costco Anywhere Visa Card by Citi earns 4X vs 3X
Flights
Citi Strata Premier Card earns 3X vs 1X
Grocery Stores
Citi Strata Premier Card earns 3X vs 1X
Gas Stations Costco
Costco Anywhere Visa Card by Citi earns 5X vs 1X
Travel
Costco Anywhere Visa Card by Citi earns 3X vs 1X
Costco Warehouse
Costco Anywhere Visa Card by Citi earns 2X vs 1X
The Citi Strata Premier Card costs $95/yr — that's $95 more than the Costco Anywhere Visa Card by Citi (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
The Costco Anywhere Visa Card by Citi has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Costco Anywhere Visa Card by Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier 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 Premier Card ($95/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 Premier Card | Costco Anywhere Visa Card by Citi |
|---|---|---|
| Gas Stations Costco | 1X | 5X |
The Costco Anywhere Visa Card by Citi wins in 4 of 7 categories. The Citi Strata Premier Card leads in 3.
Hotels
Citi Strata Premier Card earns 3X vs 1X
Gas Stations
Costco Anywhere Visa Card by Citi earns 4X vs 3X
Flights
Citi Strata Premier Card earns 3X vs 1X
Grocery Stores
Citi Strata Premier Card earns 3X vs 1X
Gas Stations Costco
Costco Anywhere Visa Card by Citi earns 5X vs 1X
Travel
Costco Anywhere Visa Card by Citi earns 3X vs 1X
Costco Warehouse
Costco Anywhere Visa Card by Citi earns 2X vs 1X
The Citi Strata Premier Card costs $95/yr — that's $95 more than the Costco Anywhere Visa Card by Citi (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: The $95 difference is small enough that the Citi Strata Premier Card's extra perks make it worth considering for most cardholders.
The Costco Anywhere Visa Card by Citi has a lower annual fee ($0 vs $95), making it the more accessible option.
Choose the Costco Anywhere Visa Card by Citi if you want solid rewards with a lower cost of entry. Choose the Citi Strata Premier 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 | 3X | 4X |
| Dining | 3X | 3X |
| Flights | 3X | 1X |
| Grocery Stores | 3X | 1X |
| Hotels | 3X | 1X |
| Travel | 1X | 3X |
| Costco Warehouse | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the Citi Strata Premier Card if you:
Get the Costco Anywhere Visa Card by Citi if you:
| Gas Stations | 3X | 4X |
| Dining | 3X | 3X |
| Flights | 3X | 1X |
| Grocery Stores | 3X | 1X |
| Hotels | 3X | 1X |
| Travel | 1X | 3X |
| Costco Warehouse | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the Citi Strata Premier Card if you:
Get the Costco Anywhere Visa Card by Citi if you:
| Gas Stations | 3X | 4X |
| Dining | 3X | 3X |
| Flights | 3X | 1X |
| Grocery Stores | 3X | 1X |
| Hotels | 3X | 1X |
| Travel | 1X | 3X |
| Costco Warehouse | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
Get the Citi Strata Premier Card if you:
Get the Costco Anywhere Visa Card by Citi if you:
