Citi Strata℠ Card vs U.S. Bank Altitude® Go Visa Signature® Card

Citi Strata℠ CardCiti Strata℠ Card

Citi

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U.S. Bank Altitude® Go Visa Signature® CardU.S. Bank Altitude® Go Visa Signature® Card

U.S. Bank

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
ThankYou Points
Altitude 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
20,000 Altitude Points after $1,000 in 90 days

Effective return by category

CategoryCiti Strata℠ CardU.S. Bank Altitude® Go Visa Signature® Card
Groceries5.70%
3x
2.00%
2x
EV Charging5.70%
3x
2.00%
2x
Gas Stations5.70%
3x
2.00%
2x
Dining & Restaurants3.80%
2x
4.00%
4x · $2,000 cap
Food Delivery1.90%
1x
4.00%
4x · $2,000 cap
Streaming Services1.90%
1x
2.00%
2x
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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