pointslip milestomorrow.com

Citi Costco Anywhere Visa Business Card vs Strata Elite

Both are Citi cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Strata Elite 2.9% 1.5x base rate
  2. Costco Anywhere Visa Business Card 1.0% 1% base rate

Dining

  1. Strata Elite 5.7% 3x
  2. Costco Anywhere Visa Business Card 3.0% 3%

Gas

  1. Costco Anywhere Visa Business Card 4.0% 4%
  2. Strata Elite 2.9% 1.5x base rate

Travel

  1. Costco Anywhere Visa Business Card 3.0% 3%
  2. Strata Elite 2.9% 1.5x base rate

Costco gas

  1. Costco Anywhere Visa Business Card 5.0% 5%
  2. Strata Elite 2.9% 1.5x base rate

Flights · portal

  1. Strata Elite · Citi Travel 11.4% 6x

Hotels · portal

  1. Strata Elite · Citi Travel 22.8% 12x

Car rental · portal

  1. Strata Elite · Citi Travel 22.8% 12x

Campgrounds

  1. Strata Elite 2.9% 1.5x base rate
  2. Costco Anywhere Visa Business Card 1.0% 1%

Attractions · portal

  1. Strata Elite · Citi Travel 22.8% 12x

What the numbers are doing

Strata Elite tops dining at 5.7% only because this table values its points at 1.9 cents each. Value them at one cent and Costco Anywhere Visa Business Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge Costco Anywhere Visa Business Card $0 and Strata Elite $595 a year, so a thin lead in one category may not cover the difference.

Where they differ: Strata Elite takes everything else, dining and campgrounds; Costco Anywhere Visa Business Card takes gas, travel and costco gas.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata Elite2.9%
DiningStrata Elite5.7%
GasCostco Anywhere Visa Business Card4.0%
TravelCostco Anywhere Visa Business Card3.0%
Costco gasCostco Anywhere Visa Business Card5.0%
Flights · portalStrata Elite · Citi Travel11.4%
Hotels · portalStrata Elite · Citi Travel22.8%
Car rental · portalStrata Elite · Citi Travel22.8%
CampgroundsStrata Elite2.9%
Attractions · portalStrata Elite · Citi Travel22.8%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Strata Elite — 2.9%
  2. Costco Anywhere Visa Business Card — 1.0%

Dining

  1. Strata Elite — 5.7%
  2. Costco Anywhere Visa Business Card — 3.0%

Gas

  1. Costco Anywhere Visa Business Card — 4.0%
  2. Strata Elite — 2.9%

Travel

  1. Costco Anywhere Visa Business Card — 3.0%
  2. Strata Elite — 2.9%

Costco gas

  1. Costco Anywhere Visa Business Card — 5.0%
  2. Strata Elite — 2.9%

Flights · portal

  1. Strata Elite · Citi Travel — 11.4%

Hotels · portal

  1. Strata Elite · Citi Travel — 22.8%

Car rental · portal

  1. Strata Elite · Citi Travel — 22.8%

Campgrounds

  1. Strata Elite — 2.9%
  2. Costco Anywhere Visa Business Card — 1.0%

Attractions · portal

  1. Strata Elite · Citi Travel — 22.8%
Add to Apple Wallet

This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.

iPhone app · not yet released

Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.

Open this ranking in the generator

A cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.