Citi Strata Elite℠ Card vs Robinhood Platinum Card

Citi Strata Elite℠ CardCiti Strata Elite℠ Card

Citi

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Robinhood Platinum Card

Robinhood

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Annual Fee
$595
$695
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
Cash Back
Point Value
1.90¢/pt
1.00¢/pt
Base Earn Rate
1.5x
1x
Welcome Bonus
75,000 ThankYou Points after $6,000 in 90 days
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Effective return by category

CategoryCiti Strata Elite℠ CardRobinhood Platinum Card
Card Travel Portals22.80%
12x
5.00%
5x
Dining & Restaurants5.70%
3x
5.00%
5x
Everything else2.85%
1.5x
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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