Citi Strata℠ Card vs L.L.Bean® Mastercard®

Citi Strata℠ CardCiti Strata℠ Card

Citi

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L.L.Bean® Mastercard®L.L.Bean® Mastercard®

Citi

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
Bean Bucks
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
20,000 ThankYou Points after $1,000 in 90 days
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Effective return by category

CategoryCiti Strata℠ CardL.L.Bean® Mastercard®
Card Travel Portals5.00%
5x
1.00%
1x
Groceries3.00%
3x
1.00%
1x
EV Charging3.00%
3x
1.00%
1x
Gas Stations3.00%
3x
1.00%
1x
Rideshare & Transit3.00%
3x
1.00%
1x
Gym & Fitness3.00%
3x
1.00%
1x
Streaming3.00%
3x
1.00%
1x
Entertainment3.00%
3x
1.00%
1x
Dining & Restaurants2.00%
2x
2.00%
2x
Everything else1.00%
1x
1.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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