Citi Strata Premier℠ Card vs Truist Enjoy Beyond
Citi Strata Premier℠ Card earns more in 8 of the 9 categories we track. Both cost $95 a year.
The basics
| Detail | Citi Strata Premier℠ Card | Truist Enjoy Beyond |
|---|---|---|
| Annual fee | $95 | $95 |
| Card type | Personal | Personal |
| Rewards | ThankYou Points | Truist Points |
| Each point is worth | 1.60¢ | 1.00¢ |
| Everywhere else | 1x | 1x |
| Welcome bonus | 60,000 ThankYou Points after $4,000 in 90 days | 30,000 bonus points after $1,500 in 90 days |
What each earns
| Category | Citi Strata Premier℠ Card | Truist Enjoy Beyond |
|---|---|---|
| Card Travel Portals | 16.0% (higher) 10x | 1.0% 1x |
| Airfare | 4.8% (higher) 3x | 3.0% 3x |
| Hotels & Lodging | 4.8% (higher) 3x | 3.0% 3x |
| Dining & Restaurants | 4.8% (higher) 3x | 2.0% 2x |
| Groceries | 4.8% (higher) 3x | 1.0% 1x |
| Gas Stations | 4.8% (higher) 3x | 1.0% 1x |
| EV Charging | 4.8% (higher) 3x | 1.0% 1x |
| Car Rentals | 1.6% 1x | 3.0% (higher) 3x |
| Everything else | 1.6% (higher) 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.
Ask the advisor