Custom Cash vs Strata Elite
Custom Cash
$0/yr
7.5/10
VS
Strata Elite
$595/yr
5.5/10
Quick Answer
Custom Cash charges no annual fee with 1X base rewards. Strata Elite charges $595/yr with 1X base rewards. Custom Cash offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Custom Cash →
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Winner by Category
Annual Fees
Custom Cash
Lower annual fee ($0 vs $595)
Rewards Earning
Custom Cash
2 earning categories
Benefits & Protection
Custom Cash
5 benefits vs 0
Statement Credits
Strata Elite
$350 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Custom Cash wins for most people
The $595 fee difference is hard to justify unless you maximize premium benefits.
Apply for Custom CashPREMIUM PICK
Strata Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Strata EliteRewards Earning: Detailed Comparison
Custom Cash
| Top eligible category each billing cycle | 5.0X (up to $500) |
| Everything else | 1.0X |
Strata Elite
| Hotels, air travel, restaurants, supermarkets, gas | 3.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Custom Cash (5 benefits)
- Trip Delay Protection (up to $200)
- Worldwide Car Rental Insurance
- Citi Purchase Protection (up to $1,000)
- Citi Extended Warranty (up to $10,000)
- Extended Warranty
Strata Elite (0 benefits)
No benefits data available