Citi Strata℠ Card vs PenFed Platinum Rewards Visa Signature® Card

Citi Strata℠ CardCiti Strata℠ Card

Citi

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PenFed Platinum Rewards Visa Signature® CardPenFed Platinum Rewards Visa Signature® Card

PenFed

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
PenFed Points
Point Value
1.90¢/pt
0.85¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
20,000 ThankYou Points after $1,000 in 90 days
15,000 PenFed Points after $1,500 in 90 days

Effective return by category

CategoryCiti Strata℠ CardPenFed Platinum Rewards Visa Signature® Card
Groceries5.70%
3x
2.55%
3x
EV Charging5.70%
3x
4.25%
5x
Gas Stations5.70%
3x
4.25%
5x
Dining & Restaurants3.80%
2x
2.55%
3x
Streaming Services1.90%
1x
2.55%
3x
Everything else1.90%
1x
0.85%
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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