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 cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
Strongest 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're comfortable booking through the issuer's own site for the best rate.
Apply NowStrongest in dining at 3%. 6x at Marriott hotels, 3x on dining, groceries, and gas. Free Night Award annually. Earns a solid 2.0% on everything else.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| 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 | 125,000 points after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Travel Rewards | 3% | 2% |
| Dining Rewards | 3% | 3% |
| Groceries Rewards | 3% | 3% |
| Gas Rewards | 3% | 3% |
| 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. Free Night Award annually. |
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.