Citi Strata Elite Card vs Discover it Cash Back
Compare the Citi Strata Elite Card ($595/yr) against the Discover it Cash Back ($0/yr) to see which card earns you more rewards based on your spending.
See how the Citi Strata Elite Card and Discover it Cash Back stack up across annual fees, reward rates, and key benefits. Use the calculator below to find which card maximizes your rewards based on your actual spending.
| Feature | Citi Strata Elite Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | $595 | $0 |
| Sign-Up Bonus | 75,000 points after $6,000 spend in 3 months | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1.5% | 1.0% |
| Travel Rewards | 6% | 1.0% |
| Dining Rewards | 3% | 1.0% |
| Key Benefits | 12x on hotels/car rentals via Citi Travel, 6x on flights via Citi Travel, 3x on dining. | 5% on rotating quarterly categories (up to $1,500/quarter), 1% on everything else. Cashback Match doubles all cash back in first year. |
| Issuer | Citi | Discover |
Quick Summary
The Citi Strata Elite Card has a $595 annual fee ($595/year more than Discover it Cash Back).
Citi Strata Elite Card has a higher base reward rate (1.5% vs 1.0%).
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