Citi Strata Premier℠ vs Wyndham Rewards Earner® Card
Side-by-side comparison
| Citi Strata Premier℠ | Wyndham Rewards Earner® Card | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | 60,000 ThankYou® Points | 30,000 points |
| Dining | 3x | 3x |
| Groceries | 3x | 3x |
| Gas | 3x | 3x |
| Travel | 3x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $551 | $515 |
| Points type | Transfers to airlines & hotels | Locked to Wyndham Rewards |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Citi Strata Premier℠ | Wyndham Rewards Earner® Card |
|---|---|---|
| Welcome bonus | 60,000 ThankYou® Points | 30,000 points |
| To earn it | $4,000 in 3 months | $1,000 in 90 days |
| Est. first-year value* | $1,056 | $815 |
| Est. ongoing value / yr* | $456 | $515 |
This one splits by time horizon. In year one the Citi Strata Premier℠ is ahead by roughly $241, thanks largely to its welcome offer. But the Wyndham Rewards Earner® Card earns more every year after, so if you keep it, it overtakes the Citi Strata Premier℠ after about 5 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Citi Strata Premier℠. Planning to keep it for years? The Wyndham Rewards Earner® Card pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Citi Strata Premier℠ | Wyndham Rewards Earner® Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Transferable to airline & hotel partners | Locked to a single program |
On perks and redemptions, the Citi Strata Premier℠ earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Citi Strata Premier℠ earns transferable points. Its Citi ThankYou move to American Airlines, Turkish, Avianca, and Air France-KLM, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The Wyndham Rewards Earner® Card stays locked to a single airline or hotel program, so its ceiling is nearer a penny per point no matter how you redeem.
One earns flexible transferable points for a small fee, the other free Wyndham hotel points.
The Strata Premier’s 3x spans six categories and transfers to airlines. The Wyndham Earner banks hotel points at no cost. Flexible points vs free Wyndham points.
Pros and cons
- 3x on air, hotels, restaurants, supermarkets, gas, and EV
- Transferable ThankYou points
- A strong welcome bonus
- Broad, high-value earning
- $95 fee vs the Earner’s $0
- Points need transfers for top value
- 5x at Wyndham, 3x dining/groceries/gas
- No annual fee
- Wyndham points book award nights cheaply
- Zero commitment
- Points locked to Wyndham
- Value tied to Wyndham stays
- No premium perks
Where each one wins
| Category | Winner | Why |
|---|---|---|
| Reward type | Split | Transferable travel points vs Wyndham hotel points. |
| Everyday breadth | Strata Premier | 3x across six categories. |
| Annual fee | Wyndham Earner | $0 vs $95. |
| Best for | Depends | Travelers vs Wyndham guests. |
The verdict
If you travel and want flexible value, the Strata Premier earns more where it counts, 3x across common categories plus transferable points, easily worth $95.
If you specifically stay at Wyndham and want zero cost, the free Earner banks hotel points effectively. Choose by whether you want flexible travel points or free Wyndham earning.