Prime Visa vs Citi Strata℠
Side-by-side comparison
| Prime Visa | Citi Strata℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 Amazon Gift Card upon approval | 20,000 ThankYou® Points ($200 value) |
| Dining | 2x | 2x |
| Groceries | 5x | 3x |
| Gas | 2x | 3x |
| Travel | 1x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $590 | $511 |
| Points type | Cash back only | Pools with Citi → transferable |
| Network | Visa | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Prime Visa earns about $590 a year in rewards and the Citi Strata℠ about $511, valuing every point at a flat 1 cent. The Prime Visa has no annual fee, so its rewards are all profit. The Citi Strata℠ has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Prime Visa delivers more total value, about $154 a year more for a typical spender, mostly because it earns more where you spend most, on groceries. The bigger difference is the ceiling: the Citi Strata℠ earns points you can move to travel partners for outsized value, while the Prime Visa pays plain cash back. Favor the Citi Strata℠ if you will use travel transfers, the Prime Visa if you want simplicity. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Prime Visa if your spending leans toward groceries. Pick the Citi Strata℠ if your spending leans toward gas, streaming.