Citi Strata Elite℠ vs Wyndham Rewards Earner® Card
Side-by-side comparison
| Citi Strata Elite℠ | Wyndham Rewards Earner® Card | |
|---|---|---|
| Annual fee | $595 | No annual fee |
| Welcome offer | 100,000 ThankYou® Points | Up to 75,000 points |
| Dining | 3x | 3x |
| Groceries | 1x | 3x |
| Gas | 1x | 3x |
| Travel | 12x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1.5x | 1x |
| Est. yearly rewards* | $628 | $515 |
| Points type | Transfers to airlines & hotels | 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 Elite℠ earns about $628 a year in rewards and the Wyndham Rewards Earner® Card about $515, valuing every point at a flat 1 cent. The Citi Strata Elite℠ charges $595, but carries about $735 in annual statement credits that offset it for anyone who uses them. The Wyndham Rewards Earner® Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Card delivers more total value, about $115 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. The bigger difference is the ceiling: the Citi Strata Elite℠ earns points you can move to travel partners for outsized value, while the Wyndham Rewards Earner® Card stays locked to a single airline or hotel program. Favor the Citi Strata Elite℠ if you will use travel transfers, the Wyndham Rewards Earner® Card if you want simplicity. On the sign-up bonus, the Citi Strata Elite℠ 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 Elite℠ if your spending leans toward travel, everything else. Pick the Wyndham Rewards Earner® Card if your spending leans toward groceries, gas.