Dedicated comparison page

Citi Double Cash Card vs Citi Strata Premier Card

Citi Double Cash Card vs Citi Strata Premier Card on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.

Lowest annual feeCiti Double Cash CardNo annual fee
Highest reward rateCiti Strata Premier Card10.0%
Lowest starting credit rangeCiti Double Cash Card700+

Quick Take

Citi Double Cash Card

by Citi

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Citi Double Cash Card is a cashback card from Citi with no annual fee, $200 cashback after $1,500 in 6 months, and good to excellent credit.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have good to excellent credit.

  • 5% on Travel-portal
  • $200 cashback after $1,500 in 6 months
  • Foreign transaction fee: 3%
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Citi Strata Premier Card

by Citi

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Citi Strata Premier Card is a travel card from Citi with a $95 annual fee, 60,000 thankyou points after $4,000 in 3 months, and good to excellent credit.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

  • 10% on Travel-portal
  • 60,000 ThankYou points after $4,000 in 3 months
  • No foreign transaction fee
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Side-by-Side Facts

MetricCiti Double Cash CardCiti Strata Premier Card
Annual FeeNone$95
Reward Rate5.0%10.0%
Signup Bonus$200 cashback after $1,500 in 6 months60,000 ThankYou points after $4,000 in 3 months
Foreign Transaction Fee3.0%None
Recommended CreditGood to excellent creditGood to excellent credit
Rewards SummaryEarn elevated rewards with 5% on Travel-portal, plus 2% on other purchases.Earn elevated rewards with 10% on Travel-portal, 3% on Dining and 3% on Flights, plus 1% on other purchases.

Who Should Pick Which Card?

Citi Double Cash Card

Its strongest earning category is Travel-portal at 5%, backed by 2% on general spending.

Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have good to excellent credit.

Pros

  • $200 cashback after $1,500 in 6 months
  • No annual fee to offset rewards
  • Earns 5% on Travel-portal

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad
  • Typically requires good to excellent credit

Citi Strata Premier Card

Its strongest earning category is Travel-portal at 10%, backed by 1% on general spending. It also avoids foreign transaction fees.

Best for: People focused on travel rewards who can justify a $95 annual fee and who typically have good to excellent credit.

Pros

  • 60,000 ThankYou points after $4,000 in 3 months
  • Potentially worthwhile if you use the card enough to cover the $95 annual fee
  • Earns 10% on Travel-portal
  • Earns 3% on Flights

Tradeoffs

  • Annual fee of $95 means you need ongoing value from the card
  • Typically requires good to excellent credit
  • Signup bonus requires $4000 in spending within 3 months
  • Base rewards on non-bonus spending are relatively modest

Frequently Asked Questions

What is the main difference between Citi Double Cash Card and Citi Strata Premier Card?

The biggest tradeoffs are annual fee, reward concentration, and the level of credit usually needed to qualify. This page compares those inputs directly so you can choose the card that fits your spending and tolerance for annual fees.

Which card is easier to qualify for?

Citi Double Cash Card has the lowest published starting credit range in this comparison at 700.

Which card has the lowest annual fee?

Citi Double Cash Card has the lowest annual fee in this comparison at no annual fee.