Citi Strata℠ vs Wyndham Rewards Earner® Plus Card
Side-by-side comparison
| Citi Strata℠ | Wyndham Rewards Earner® Plus Card | |
|---|---|---|
| Annual fee | No annual fee | $75 |
| Welcome offer | 20,000 ThankYou® Points ($200 value) | Up to 100,000 points |
| Dining | 2x | 4x |
| Groceries | 3x | 4x |
| Gas | 3x | 4x |
| Travel | 1x | 4x |
| Streaming | 3x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $511 | $680 |
| Points type | Pools with Citi → transferable | Locked to Wyndham Rewards |
| Network | Mastercard | Visa |
*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 Wyndham Rewards Earner® Plus Card about $680, valuing every point at a flat 1 cent. The Citi Strata℠ has no annual fee, so its rewards are all profit. The Wyndham Rewards Earner® Plus Card charges $75, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Plus Card delivers more total value, about $94 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. The bigger difference is the ceiling: the Citi Strata℠ earns points you can move to travel partners for outsized value, while the Wyndham Rewards Earner® Plus Card stays locked to a single airline or hotel program. Favor the Citi Strata℠ if you will use travel transfers, the Wyndham Rewards Earner® Plus Card if you want simplicity. On the sign-up bonus, the Wyndham Rewards Earner® Plus Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Citi Strata℠ if your spending leans toward streaming. Pick the Wyndham Rewards Earner® Plus Card if your spending leans toward dining, groceries, gas.