Editorial take: Bilt Mastercard
The only card that earns points on rent with no fees. Pair it with Rent Day on the 1st of each month for bonus earning, then transfer to top partners like Hyatt at 1:1. A must-have for renters.
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Side-by-side
Bilt Mastercard vs Citi Strata Premier Card
Both are travel travel cards. The Bilt Mastercard comes from Bilt / Wells Fargo at $0/yr; the Citi Strata Premier Card from Citi at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Citi Strata Premier Card is the stronger pick today — the sign-up bonus is meaningfully larger ($1,020 more in estimated value) than the Bilt Mastercard's. Get the Citi Strata Premier Card first; revisit the Bilt Mastercard after you've earned that bonus.
| Feature | Bilt Mastercard | Citi Strata Premier Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | No public offer | 60,000 points |
| Bonus value (est.) | $0 | $1,020 |
| Min spend to unlock bonus | $0 in 0 mo | $4,000 in 3 mo |
| Issuer | Bilt / Wells Fargo | Citi |
| Card category | travel | travel |
| Best earning category (Dining) | 3x | 1x |
| Transfer partners | bilt | citi-ty |
| Headline benefits |
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Read the full review
Bilt Mastercard
$0/yr · No public offer
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 points
Editorial take: Citi Strata Premier Card
A solid mid-tier card with 3x across multiple useful categories. The hotel savings benefit and strong transfer partners (especially for international flights) make it worth a look.
Common questions
- Which card has the bigger sign-up bonus, Bilt Mastercard or Citi Strata Premier Card?
- The Citi Strata Premier Card has the bigger bonus — 60,000 points, worth roughly $1,020, versus No public offer (~$0) on the Bilt Mastercard.
- Is the Bilt Mastercard's $0 annual fee worth it compared to the Citi Strata Premier Card?
- The Bilt Mastercard has no annual fee, so the question is whether the Citi Strata Premier Card's $95 fee is justified by its perks. If you'll use enough of the Citi Strata Premier Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Bilt Mastercard.
- Can I have both the Bilt Mastercard and Citi Strata Premier Card?
- Yes, since they're from different issuers (Bilt / Wells Fargo and Citi) the application rules don't conflict. Many points enthusiasts hold both — they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Bilt Mastercard or the Citi Strata Premier Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard: $0 spend in 0 months. Citi Strata Premier Card: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time — confirm the current offer on the issuer's page before applying.