Which card earns more rewards, the Citi Strata Credit Card or Jasper Cash Back Mastercard?

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 Jasper Cash Back Mastercard?

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 Jasper Cash Back Mastercard?

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 Jasper Cash Back Mastercard?

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 Jasper Cash Back Mastercard?

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 Jasper Cash Back Mastercard?

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 Jasper Cash Back Mastercard

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Jasper Cash Back Mastercard wins on cable tv. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	Jasper Cash Back Mastercard
Cable Tv	1X	5X
Streaming	3X	5X
Cosmetics	3X	1X
Fitness & Gyms	3X	1X
Gas Stations	3X	3X
Grocery Stores	3X	3X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

✓Purchase protection

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)

+Unlimited 2% cash back on all purchases
+No annual fee
+No foreign transaction fees
+World Mastercard benefits (price protection, extended warranty, purchase protection)
+Modern app with instant notifications

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 7 of 9 categories. The Jasper Cash Back Mastercard leads in 2.

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

Jasper Cash Back Mastercard earns 5X vs 3X

Dining

Citi Strata Credit Card earns 2X vs 1X

Cable Tv

Jasper Cash Back Mastercard earns 5X vs 1X

What You Give Up

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Jasper Cash Back Mastercard?: 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 Jasper Cash Back Mastercard?: 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 · Webbank 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 Jasper Cash Back Mastercard

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the Jasper Cash Back Mastercard wins on cable tv. Here's how they compare.