Bilt World Elite Mastercard vs Citi Strata Elite Card
Compare the Bilt World Elite Mastercard ($0/yr) against the Citi Strata Elite Card ($595/yr) to see which card earns you more rewards based on your spending.
See how the Bilt World Elite Mastercard and Citi Strata Elite Card stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Bilt World Elite Mastercard | Citi Strata Elite Card |
|---|---|---|
| Annual Fee | $0 | $595 |
| Sign-Up Bonus | None | 75,000 points after $6,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4.0% | 1.5% |
| Travel Rewards | 4.0% | 6% |
| Dining Rewards | 4.0% | 3% |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 12x on hotels/car rentals via Citi Travel, 6x on flights via Citi Travel, 3x on dining. |
| Issuer | Bilt Rewards | Citi |
Quick Summary
The Bilt World Elite Mastercard has a $0 annual fee (saving you $595/year compared to Citi Strata Elite Card).
Bilt World Elite Mastercard has a higher base reward rate (4.0% vs 1.5%).
Which Card is Better for Your Spending?
Enter your typical monthly spending to see which card earns you more rewards.
Your Personalized Results
Want to compare more cards? Try our full calculator to see all 39+ cards ranked by your spending.