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Citi Custom Cash vs Strata

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 1.9% 1x base rate
  2. Custom Cash 1.0% 1% base rate

Dining

  1. Strata 3.8% 2x
  2. Custom Cash 1.0% 1% base rate

Groceries

  1. Strata 5.7% 3x
  2. Custom Cash 1.0% 1% base rate

Gas

  1. Strata 5.7% 3x
  2. Custom Cash 1.0% 1% base rate

Hotels · portal

  1. Strata · Citi Travel 9.5% 5x

Car rental · portal

  1. Strata · Citi Travel 9.5% 5x

Attractions · portal

  1. Strata · Citi Travel 9.5% 5x

Public transit

  1. Strata 5.7% 3x
  2. Custom Cash 1.0% 1% base rate

What the numbers are doing

Strata tops everything else at 1.9% only because this table values its points at 1.9 cents each. Value them at one cent and Custom Cash wins that category instead.

Custom Cash lets you choose one category to earn 5% on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.

Where they differ: Strata takes everything else, dining, groceries and gas, plus 1 more. Custom Cash wins nothing outright in this wallet.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseStrata1.9%
DiningStrata3.8%
GroceriesStrata5.7%
GasStrata5.7%
Hotels · portalStrata · Citi Travel9.5%
Car rental · portalStrata · Citi Travel9.5%
Attractions · portalStrata · Citi Travel9.5%
Public transitStrata5.7%

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 — 1.9%
  2. Custom Cash — 1.0%

Dining

  1. Strata — 3.8%
  2. Custom Cash — 1.0%

Groceries

  1. Strata — 5.7%
  2. Custom Cash — 1.0%

Gas

  1. Strata — 5.7%
  2. Custom Cash — 1.0%

Hotels · portal

  1. Strata · Citi Travel — 9.5%

Car rental · portal

  1. Strata · Citi Travel — 9.5%

Attractions · portal

  1. Strata · Citi Travel — 9.5%

Public transit

  1. Strata — 5.7%
  2. Custom Cash — 1.0%
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