Which card earns more rewards, the Citi Double Cash Card or Citi Strata Credit Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Double Cash Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Double Cash Card or Citi Strata Credit Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Double Cash Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Double Cash Card or Citi Strata Credit Card?

The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

Should I get the Citi Double Cash Card or the Citi Strata Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Citi Double Cash Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Citi Double Cash Card is better for travel, while the Citi Strata Credit Card wins on travel. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

200 Cash

30,000 Flex point

Earn Rates

Category	Citi Double Cash Card	Citi Strata Credit Card
Cosmetics	2X	3X
Fitness & Gyms	2X	3X
Gas Stations	2X	3X
Grocery Stores	2X	3X
Live Entertainment	2X	3X
Pet Stores	2X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+2% flat rate on all purchases with no caps
+No annual fee
+0% intro APR for 18 months on balance transfers
+Simple earning structure - no tracking categories
+Points can combine with other Citi ThankYou cards

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

Cons

−3% foreign transaction fee
−Must pay bill to earn second 1% cash back
−No travel insurance or purchase protection
−Relatively modest $200 welcome bonus

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 10 categories. The Citi Double Cash Card leads in 1.

Grocery Stores

Citi Strata Credit Card earns 3X vs 2X

Gas Stations

Citi Strata Credit Card earns 3X vs 2X

Transit

Citi Strata Credit Card earns 3X vs 2X

Rotating Category

Citi Strata Credit Card earns 3X vs 2X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 2X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 2X

Live Entertainment

Citi Strata Credit Card earns 3X vs 2X

Pet Shops

Citi Strata Credit Card earns 3X vs 2X

Streaming

Citi Strata Credit Card earns 3X vs 2X

The Bottom Line

For everyday spending, the Citi Double Cash Card earns more with its 2X base rate.

Frequently Asked Questions

Which card earns more rewards, the Citi Double Cash Card or Citi Strata Credit Card?: The Citi Double Cash Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
Should I get the Citi Double Cash Card or the Citi Strata Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Citi Double Cash Card vs Citi Strata Credit Card

Both cards cost $0/yr. The Citi Double Cash Card is better for travel, while the Citi Strata Credit Card wins on travel. Here's how they compare.