Choosing between the Bilt World Elite Mastercard (no annual fee) and the Citi Strata Premier Card ($95/yr) comes down to where you spend most. Both cards can deliver real value — let’s break it down, then run your numbers to find the winner.
Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in travel at 3%. 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| 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 | <strong>4.0%</strong> | 1.0% |
| Travel Rewards | <strong>4%</strong> | 3% |
| Dining Rewards | <strong>4%</strong> | 3% |
| Groceries Rewards | <strong>4%</strong> | 3% |
| Gas Rewards | <strong>4%</strong> | 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. |
Bilt World Elite Mastercard pulls ahead for travel, dining, groceries, gas spending.
The $95/year fee difference means Citi Strata Premier Card needs to earn at least that much more in rewards to justify its cost.
Not sure which fits your life? Enter your spending below and we’ll do the math.
Enter your typical monthly spending and we’ll show you exactly which card earns more — including fees and bonuses.