Citi Strata℠ Card vs Navy Federal More Rewards American Express® Card

Citi Strata℠ CardCiti Strata℠ Card

Citi

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Navy Federal More Rewards American Express® CardNavy Federal More Rewards American Express® Card

Navy Federal

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
Navy Federal Points
Point Value
1.90¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
20,000 ThankYou Points after $1,000 in 90 days
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Effective return by category

CategoryCiti Strata℠ CardNavy Federal More Rewards American Express® Card
Gas Stations5.70%
3x
3.00%
3x
Groceries5.70%
3x
3.00%
3x
EV Charging5.70%
3x
1.00%
1x
Dining & Restaurants3.80%
2x
3.00%
3x
Transit & Rideshare1.90%
1x
3.00%
3x
Everything else1.90%
1x
1.00%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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