Dedicated comparison page

Citi Double Cash Card vs Citi Strata Card

Citi Double Cash Card vs Citi Strata 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 Double Cash Card5.0%
Lowest starting credit rangeCiti Strata Card670+

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 Card

by Citi

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Citi Strata Card is a cashback card from Citi with no annual fee, 20,000 bonus points after $1,000 in 3 months, and fair to good credit.

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

  • 5% on Travel-portal
  • 20,000 bonus points after $1,000 in 3 months
  • Foreign transaction fee: 3%
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Side-by-Side Facts

MetricCiti Double Cash CardCiti Strata Card
Annual FeeNoneNone
Reward Rate5.0%5.0%
Signup Bonus$200 cashback after $1,500 in 6 months20,000 bonus points after $1,000 in 3 months
Foreign Transaction Fee3.0%3.0%
Recommended CreditGood to excellent creditFair to good credit
Rewards SummaryEarn elevated rewards with 5% on Travel-portal, plus 2% on other purchases.Earn elevated rewards with 5% on Travel-portal, 3% on Gas and 3% on Groceries, 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 Card

Its strongest earning category is Travel-portal at 5%, backed by 1% on general spending.

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

Pros

  • 20,000 bonus points after $1,000 in 3 months
  • No annual fee to offset rewards
  • Earns 5% on Travel-portal
  • Earns 3% on Groceries

Tradeoffs

  • Foreign transaction fee of 3% can hurt value abroad
  • 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 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 Strata Card has the lowest published starting credit range in this comparison at 670.

Which card has the lowest annual fee?

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