Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt Palladium Card ($495/yr) and the Citi Strata Premier® Card ($95/yr) comes down to where you spend most. Bilt Palladium Card needs about $3,335 a month in other travel or other purchases, counting that spending alone, to make up its $400 higher annual fee over Citi Strata Premier Card. Below that, Citi Strata Premier Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
2x on everything, 4x on hotels through Bilt Travel, 4x on Lyft, up to 1.25x on rent and mortgage. Earns a solid 2.0% on everything else.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply NowStrongest in flights and hotels at 3%. 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | Bilt Palladium Card | Citi Strata Premier Card |
|---|---|---|
| Annual Fee | $495 | $95 |
| Sign-Up Bonus | 50,000 points after $4,000 spend in 90 days | 60,000 points after $4,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 2% | 1% |
| Flights Rewards | 2% | 3% |
| Hotels Rewards | 2% | 3% |
| Dining Rewards | 2% | 3% |
| Groceries Rewards | 2% | 3% |
| Gas Rewards | 2% | 3% |
| Rates with conditions not counted in the rows above |
4% on hotels through Bilt Travel Earns 4% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 2%. 3% on flights through Bilt Travel Earns 3% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 2%. 4% on Lyft Earns 4% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 2%. |
10% through Citi Travel Earns 10% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Booking direct with a hotel or rental company earns 3%. |
| Key Benefits | 2x on everything, 4x on hotels through Bilt Travel, 4x on Lyft, up to 1.25x on rent and mortgage. | 10x points on hotels, car rentals, and attractions booked on cititravel.com; 3x on air travel, restaurants, supermarkets, gas & EV charging. |
Citi Strata Premier Card wins on travel, dining, groceries, gas.
The $400/year fee difference means Bilt Palladium Card needs to earn about that much more in rewards to justify its cost.
Bilt Palladium Card carries $400/year in credits (mostly tied to specific merchants or bookings), while Citi Strata Premier Card carries $100/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.