Citi Strata℠ Card vs Truist Enjoy Cash Secured
Citi Strata℠ Card earns more in 7 of the 11 categories we track. Neither has an annual fee.
The basics
| Detail | Citi Strata℠ Card | Truist Enjoy Cash Secured |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | ThankYou Points | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 20,000 ThankYou Points after $1,000 in 90 days | — |
What each earns
| Category | Citi Strata℠ Card | Truist Enjoy Cash Secured |
|---|---|---|
| Card Travel Portals | 5.0% (higher) 5x | 1.0% 1x |
| Groceries | 3.0% (higher) 3x | 2.0% 2x, up to $1,000 |
| EV Charging | 3.0% 3x | 3.0% 3x, up to $1,000 |
| Gas Stations | 3.0% 3x | 3.0% 3x, up to $1,000 |
| Rideshare & Transit | 3.0% (higher) 3x | 1.0% 1x |
| Gym & Fitness | 3.0% (higher) 3x | 1.0% 1x |
| Streaming | 3.0% (higher) 3x | 1.0% 1x |
| Entertainment | 3.0% (higher) 3x | 1.0% 1x |
| Dining & Restaurants | 2.0% (higher) 2x | 1.0% 1x |
| Utilities | 1.0% 1x | 2.0% (higher) 2x, up to $1,000 |
| Everything else | 1.0% 1x | 1.0% 1x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
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