Chase Freedom Unlimited® vs Citi Strata℠
Side-by-side comparison
| Chase Freedom Unlimited® | Citi Strata℠ | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | $200 cash bonus | 20,000 ThankYou® Points ($200 value) |
| Dining | 3x | 2x |
| Groceries | 1.5x | 3x |
| Gas | 1.5x | 3x |
| Travel | 1.5x | 1x |
| Streaming | 1.5x | 3x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $490 | $511 |
| Points type | Pools with Chase → transferable | 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 Chase Freedom Unlimited® earns about $490 a year in rewards and the Citi Strata℠ about $511, valuing every point at a flat 1 cent. The Chase Freedom Unlimited® 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 $22 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. Both earn points that only unlock airline and hotel transfers once you pair them with a premium card in the same family, so it comes down to which ecosystem you are building: Chase for the Chase Freedom Unlimited®, Citi for the Citi Strata℠. 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 Chase Freedom Unlimited® if your spending leans toward dining, travel, everything else. Pick the Citi Strata℠ if your spending leans toward groceries, gas, streaming.