Which card earns more rewards, the Citi Strata Credit Card or Costco Anywhere Visa Card by Citi?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Costco Anywhere Visa Card by Citi?

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 Strata Credit Card or Costco Anywhere Visa Card by Citi?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Costco Anywhere Visa Card by Citi?

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 Strata Credit Card or Costco Anywhere Visa Card by Citi?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Costco Anywhere Visa Card by Citi?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Citi Strata Credit Card vs Costco Anywhere Visa Card by Citi

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Costco Anywhere Visa Card by Citi wins on gas stations costco. Here's how they compare.

Citi Strata Credit Card

Citi

Costco Anywhere Visa Card by Citi

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	Costco Anywhere Visa Card by Citi
Gas Stations Costco	1X	5X
Gas Stations	3X	4X
Cosmetics	3X	1X
Dining	2X	3X
Fitness & Gyms	3X	1X
Grocery Stores	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+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)

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

The Citi Strata Credit Card wins in 8 of 13 categories. The Costco Anywhere Visa Card by Citi leads in 5.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Costco Anywhere Visa Card by Citi earns 4X vs 3X

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

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Costco Anywhere Visa Card by Citi?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Costco Anywhere Visa Card by Citi?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

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 Strata Credit Card vs Costco Anywhere Visa Card by Citi

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Costco Anywhere Visa Card by Citi wins on gas stations costco. Here's how they compare.

Citi Strata Credit Card

Citi

Costco Anywhere Visa Card by Citi

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	Costco Anywhere Visa Card by Citi
Gas Stations Costco	1X	5X
Gas Stations	3X	4X
Cosmetics	3X	1X
Dining	2X	3X
Fitness & Gyms	3X	1X
Grocery Stores	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+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)

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

The Citi Strata Credit Card wins in 8 of 13 categories. The Costco Anywhere Visa Card by Citi leads in 5.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Costco Anywhere Visa Card by Citi earns 4X vs 3X

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

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Costco Anywhere Visa Card by Citi?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Costco Anywhere Visa Card by Citi?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Citi Strata Credit Card vs Costco Anywhere Visa Card by Citi

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Costco Anywhere Visa Card by Citi wins on gas stations costco. Here's how they compare.

Citi Strata Credit Card

Citi

Costco Anywhere Visa Card by Citi

Citi

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	Costco Anywhere Visa Card by Citi
Gas Stations Costco	1X	5X
Gas Stations	3X	4X
Cosmetics	3X	1X
Dining	2X	3X
Fitness & Gyms	3X	1X
Grocery Stores	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+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)

+No card annual fee (membership required separately)
+4% cash back on gas (up to $7K annual spend)
+3% cash back on restaurants and travel
+2% cash back at Costco warehouse and Costco.com
+1% on all other purchases

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
Lower transfer value compared to premium ThankYou cards

Category-by-Category Winner

The Citi Strata Credit Card wins in 8 of 13 categories. The Costco Anywhere Visa Card by Citi leads in 5.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Costco Anywhere Visa Card by Citi earns 4X vs 3X

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

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Costco Anywhere Visa Card by Citi?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Costco Anywhere Visa Card by Citi?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

Costco Anywhere Visa Card by Citi — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Citi Strata Credit Card vs Costco Anywhere Visa Card by Citi

Citi Strata Credit Card

Costco Anywhere Visa Card by Citi

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Citi Strata Credit Card vs Costco Anywhere Visa Card by Citi

Citi Strata Credit Card

Costco Anywhere Visa Card by Citi

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Citi Strata Credit Card vs Costco Anywhere Visa Card by Citi

Citi Strata Credit Card

Costco Anywhere Visa Card by Citi

Fees & Welcome Offer

Earn Rates

Benefits & Features

Pros & Cons

Category-by-Category Winner

Frequently Asked Questions

Related Comparisons

Explore More

Which Card Is Right for You?

Which Card Is Right for You?

Which Card Is Right for You?