Citi Strata℠ vs Hilton Honors Surpass®
Side-by-side comparison
| Citi Strata℠ | Hilton Honors Surpass® | |
|---|---|---|
| Annual fee | No annual fee | $150 |
| Welcome offer | 20,000 ThankYou® Points ($200 value) | |
| Dining | 2x | 6x |
| Groceries | 3x | 6x |
| Gas | 3x | 6x |
| Travel | 1x | 1x |
| Streaming | 3x | 3x |
| Everything else | 1x | 3x |
| Est. yearly rewards* | $511 | $1,174 |
| Points type | Pools with Citi → transferable | Locked to Hilton Honors |
| Network | Mastercard | Amex |
*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 Citi Strata℠ earns about $511 a year in rewards and the Hilton Honors Surpass® about $1,174, valuing every point at a flat 1 cent. The Citi Strata℠ has no annual fee, so its rewards are all profit. The Hilton Honors Surpass® charges $150, but carries about $235 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Hilton Honors Surpass® delivers more total value, about $630 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and groceries. The bigger difference is the ceiling: the Citi Strata℠ earns points you can move to travel partners for outsized value, while the Hilton Honors Surpass® stays locked to a single airline or hotel program. Favor the Citi Strata℠ if you will use travel transfers, the Hilton Honors Surpass® if you want simplicity. On the sign-up bonus, the Hilton Honors Surpass® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Hilton Honors Surpass® if your spending leans toward dining, groceries, gas.