Bilt World Elite Mastercard vs Citi Strata Premier Card
Compare the Bilt World Elite Mastercard ($0/yr) against the Citi Strata Premier Card ($95/yr) to see which card earns you more rewards based on your spending.
See how the Bilt World Elite Mastercard and Citi Strata Premier 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 Premier Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | None | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4.0% | 1.0% |
| Travel Rewards | 4.0% | 3% |
| Dining Rewards | 4.0% | 3% |
| Grocery Rewards | 4.0% | 3% |
| Gas Rewards | 4.0% | 3% |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging. |
| Issuer | Bilt Rewards | Citi |
Quick Summary
The Bilt World Elite Mastercard has a $0 annual fee (saving you $95/year compared to Citi Strata Premier Card).
Bilt World Elite Mastercard has a higher base reward rate (4.0% vs 1.0%).
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