Citi
Citi Strata Premier Card
Credit cards
$95/yrAnnual fee
Explore this product Your shortlist, side by side
Citi Strata Premier Card vs Discover it Cash Back
Find the differences that matter for your next decision.
Discover
Discover it Cash Back
Credit cards
$0/yrAnnual fee
Explore this product What matters most to you?
Start with all rankable specifications, or focus on a particular use.
Your starting point
Buy the Discover it Cash Back.
- Leads 2 of 2 rankable overall specs.
- Annual fee: $0 vs $95
How we reached this
We compare the published specifications relevant to your priority. Each rankable specification counts once; your selected requirements can rule a product out. This is a guide to the numbers, not a laboratory performance score.
Regular APR: 17.24% – 28.24% Variable APR vs 21.24% – 29.24% Variable APR
It also charges $95 less a year.
The trade-off to know
Discover it Cash Back: Requires quarterly category activation
Look at the differences ↓Refine your requirements
What would rule one out?
Side by side
The differences, in detail.
Start with the key specs, then explore as much as you need.
| What you’re comparing | Citi Strata Premier Card | Discover it Cash Back |
|---|---|---|
| Annual feeFees & Rates | $95 | $0 |
| Regular APRFees & Rates | 21.24% – 29.24% Variable APR | 17.24% – 28.24% Variable APR |
| Late feeFees & Rates | Up to $41 | None on first late payment, then up to $41 |
| Rewards rateRewards & Perks | 10X points on hotels, car rentals, and attractions via Citi Travel; 3X points on restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotels; 1X on all other purchases | 5% cash back on everyday purchases at different places each quarter (up to $1,500 in quarterly purchases with activation), 1% unlimited on all other purchases |
| Sign-up bonusRewards & Perks | 70,000 bonus ThankYou Points after spending $4,000 in the first 3 months ($700 value) | Cashback Match: Discover will automatically match all cash back you earn at the end of your first year with no minimum or limit |
Showing 5 of 10 specifications. Missing values stay unlisted. About the sources
Both sides of the decision
What you gain. What you give up.
Citi Strata Premier Card
Reasons to choose it
- Broad 3X bonus categories across everyday and travel spending (dining, groceries, gas, hotels, flights)
- $100 annual hotel benefit on bookings of $500+ via CitiTravel.com
- No foreign transaction fees and 1:1 point transfers to airline and hotel loyalty programs
Worth considering
- $95 annual fee
- No airport lounge access benefit
Discover it Cash Back
Reasons to choose it
- 5% cash back on quarterly rotating categories (grocery stores, restaurants, gas, Amazon.com) up to $1,500 with activation
- Unlimited Cashback Match: Discover automatically doubles all cash back earned at the end of your first year
- No annual fee, no foreign transaction fees, and free FICO Credit Scorecard
Worth considering
- Requires quarterly category activation
- 5% bonus rate is capped at $1,500 quarterly spend (then 1%)
Beyond the spec sheet
Living with your choice.
Explore the ownership details available for this pair.
What three years could cost
Citi Strata Premier Card
3-Year Estimated Total$285
Discover it Cash Back
3-Year Estimated Total$0
Know what’s behind the comparison
Published specs. Visible sources.
Clinchmark compares manufacturer specifications and other published information. We have not independently lab-tested these products. Editorial assessments and unknown values are identified in the specification details.
Catalog snapshot: September 1, 2026. Prices, availability, and provider terms can change.
Still weighing it up?
Which card has the lower annual fee, Citi Strata Premier Card or Discover it Cash Back?
Discover it Cash Back charges $95 a year less.
What is the biggest catch with the Citi Strata Premier Card or Discover it Cash Back?
Citi Strata Premier Card has this deal-breaker: annual fee. You pay before a single reward is earned.
Which is better for travel, the Citi Strata Premier Card or the Discover it Cash Back?
Too close to call on travel from the spec sheets. Only annual fee is rankable here. Rewards rate: 10X points on hotels, car rentals, and… vs 5% cash back on everyday purchases at… Sign-up bonus: 70,000 bonus ThankYou Points after spending… vs Cashback Match: Discover will automatically…
What cannot be compared from spec sheets?
Of the 10 specs tracked here, 8 are descriptive and cannot be ranked on numbers alone. Spec sheets also cannot measure subjective factors like build quality, real-world performance, or comfort.