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Side-by-side

Citi Strata Premier Card vs Home Depot Commercial Revolving Charge Card

Both are well-respected travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the Home Depot Commercial Revolving Charge Card from Citi Retail Services at $0/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 Home Depot Commercial Revolving Charge Card's. Get the Citi Strata Premier Card first; revisit the Home Depot Commercial Revolving Charge Card after you've earned that bonus.

FeatureCiti Strata Premier CardHome Depot Commercial Revolving Charge Card
Annual fee$95$0
Sign-up bonus60,000 bonus points
Bonus value (est.)$1,020-
Min spend to unlock bonus$4,000 in 3 mo-
IssuerCitiCiti Retail Services
Card categorytravelbusiness
Best earning category (Travel)3x1x
Transfer partnersciti-tyNone
Headline benefits
  • 10x CitiTravel.com hotels/cars/attractions
  • 3x on restaurants, groceries, flights, hotels, gas, EV
  • $100 hotel savings benefit
  • No foreign transaction fees
    Read the full review
    Citi Strata Premier Card
    $95/yr · 60,000 bonus points
    Read the full review
    Home Depot Commercial Revolving Charge Card
    $0/yr ·

    Editorial take: Citi Strata Premier Card

    A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.

    Editorial take: Home Depot Commercial Revolving Charge Card

    Common questions

    Which card has the bigger sign-up bonus, Citi Strata Premier Card or Home Depot Commercial Revolving Charge Card?
    The Citi Strata Premier Card has a public bonus (60,000 bonus points, worth roughly $1,020), while the Home Depot Commercial Revolving Charge Card doesn't advertise one right now.
    Is the Citi Strata Premier Card's $95 annual fee worth it compared to the Home Depot Commercial Revolving Charge Card?
    At $95/yr, the Citi Strata Premier Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Home Depot Commercial Revolving Charge Card's, pick the one whose perks you'll actually use.
    Can I have both the Citi Strata Premier Card and Home Depot Commercial Revolving Charge Card?
    Yes, since they're from different issuers (Citi and Citi Retail Services) 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 Citi Strata Premier Card or the Home Depot Commercial Revolving Charge Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: $4,000 spend in 3 months. Home Depot Commercial Revolving Charge Card: no published min spend. 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.