Dedicated comparison page
Citi Strata Card vs Discover it Cash Back on Luminxo. Compare annual fees, rewards, welcome offers, credit requirements, and who each card is best for.
by Citi
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.
by Discover
Discover it Cash Back is a cashback card from Discover with no annual fee, cashback match - all cash back earned in first year is doubled, 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.
| Metric | Citi Strata Card | Discover it Cash Back |
|---|---|---|
| Annual Fee | None | None |
| Reward Rate | 5.0% | 5.0% |
| Signup Bonus | 20,000 bonus points after $1,000 in 3 months | Cashback Match - all cash back earned in first year is doubled |
| Foreign Transaction Fee | 3.0% | None |
| Recommended Credit | Fair to good credit | Fair to good credit |
| Rewards Summary | Earn elevated rewards with 5% on Travel-portal, 3% on Gas and 3% on Groceries, plus 1% on other purchases. | Earn elevated rewards with 5% on Dining (up to $1500/quarter) (rotating quarterly), 5% on Gas (up to $1500/quarter) (rotating quarterly) and 5% on Groceries (up to $1500/quarter) (rotating quarterly), plus 1% on other purchases. |
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.
Its strongest earning category is Dining at 5%, backed by 1% on general spending. It also avoids foreign transaction fees.
Best for: People focused on cashback rewards who want to avoid an annual fee and who typically have fair to good credit.
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.
Citi Strata Card has the lowest published starting credit range in this comparison at 670.
Citi Strata Card has the lowest annual fee in this comparison at no annual fee.