Citi Strata Premier® Card vs Marriott Bonvoy Boundless® Credit Card: Which Card Wins for Your Spending?

Which earns more for you?

Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.

Choosing between the Citi Strata Premier® Card ($95/yr) and the Marriott Bonvoy Boundless® Credit Card ($95/yr) comes down to where you spend most. Both cost $95 a year, so it comes down to where you spend: Citi Strata Premier Card earns more on dining, groceries, gas, flights and hotels, Marriott Bonvoy Boundless on other travel and other purchases. Enter your monthly spending above to see which comes out ahead for you.

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Meet the Contenders

Citi Strata Premier Card

Strongest in flights and hotels at 3%. 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging.

Annual fee: $95 Sign-up bonus: 60,000 points after $4,000 spend in 3 months Foreign fees: 0%

Perfect if: You're comfortable booking through the issuer's own site for the best rate.

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Marriott Bonvoy Boundless Credit Card

Strongest in dining at 3% (up to $6,000/yr). 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. Earns a solid 2.0% on everything else.

Annual fee: $95 Sign-up bonus: 3 free nights after $3,000 spend in 3 months Foreign fees: 0%

Perfect if: Your monthly spending stays within the bonus cap for maximum value.

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Head-to-Head Comparison

Feature Citi Strata Premier Card Marriott Bonvoy Boundless Credit Card
Annual Fee $95 $95
Sign-Up Bonus 60,000 points after $4,000 spend in 3 months 3 free nights after $3,000 spend in 3 months
Foreign Transaction Fee 0% 0%
Base Reward Rate 1% 2%
Flights Rewards 3% 2%
Hotels Rewards 3% 2%
Dining Rewards 3% 3% (up to $6,000/yr)
Groceries Rewards 3% 3% (up to $6,000/yr)
Gas Rewards 3% 3% (up to $6,000/yr)
Rates with conditions
not counted in the rows above		 10% through Citi Travel
Earns 10% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Booking direct with a hotel or rental company earns 3%. 		6% at Marriott hotels
Earns 6% only on stays at participating Marriott hotels. Travel booked anywhere else earns the flat 2%.
Key Benefits 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging. 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually.

The Verdict

Citi Strata Premier Card pulls ahead for travel spending.

Citi Strata Premier Card carries $100/year in credits (mostly tied to specific merchants or bookings), while Marriott Bonvoy Boundless Credit Card carries $100/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.

Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.

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Comparisons based on current published terms and estimated point values. Actual results depend on spending, redemption, and qualification. Verify current offers on the issuer’s site.