Bilt Blue vs Citi Strata℠
Side-by-side comparison
| Bilt Blue | Citi Strata℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $100 in Bilt Cash on account opening | 20,000 ThankYou® Points ($200 value) |
| Dining | 1x | 2x |
| Groceries | 1x | 3x |
| Gas | 1x | 3x |
| Travel | 2x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $310 | $511 |
| Points type | Transfers to airlines & hotels | Pools with Citi → transferable |
| Network | Mastercard | 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 Bilt Blue earns about $310 a year in rewards and the Citi Strata℠ about $511, valuing every point at a flat 1 cent. The Bilt Blue 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 Citi Strata℠ delivers more total value, about $152 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Citi Strata℠ currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bilt Blue if your spending leans toward travel. Pick the Citi Strata℠ if your spending leans toward dining, groceries, gas.