Which card earns more rewards, the Citi Strata Credit Card or Discover it Cash Back?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Discover it Cash Back?

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 Strata Credit Card or Discover it Cash Back?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Discover it Cash Back?

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 Strata Credit Card or Discover it Cash Back?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the Discover it Cash Back?

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

Citi Strata Credit Card vs Discover it Cash Back

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

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

150 cash

Earn Rates

Category	Citi Strata Credit Card	Discover it Cash Back
Rotating Quarterly	1X	5X
Cosmetics	3X	1X
Fitness & Gyms	3X	1X
Gas Stations	3X	1X
Grocery Stores	3X	1X
Live Entertainment	3X

Benefits & Features

Network

MASTERCARD

DISCOVER

Key Benefits

None

Pros & Cons

Pros

+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)

+Cashback Match doubles ALL rewards earned in first year - unlimited
+5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
+No annual fee ever
+No foreign transaction fees (rare for no-AF cards)
+0% intro APR for 15 months on purchases and balance transfers

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly

Category-by-Category Winner

The Citi Strata Credit Card wins in 10 of 11 categories. The Discover it Cash Back leads in 1.

Grocery Stores

Citi Strata Credit Card earns 3X vs 1X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or Discover it Cash Back?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the Discover it Cash Back?: 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 · Discover 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 Strata Credit Card vs Discover it Cash Back

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