Citi Strata Credit Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Strata Credit Card

Citi

No image

SoFi Smart Card

SoFi

Annual Fee

Welcome Bonus

30,000 Flex point

—

Base Earn Rate

—

Top Earn Categories

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

5X Grocery Stores

Network

MASTERCARD

Key Benefits

None

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)

—

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

—

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Citi Strata Credit Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Strata Credit Card

Citi

No image

SoFi Smart Card

SoFi

Annual Fee

Welcome Bonus

30,000 Flex point

—

Base Earn Rate

—

Top Earn Categories

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

5X Grocery Stores

Network

MASTERCARD

Key Benefits

None

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)

—

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

—

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Citi Strata Credit Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Citi Strata Credit Card

Citi

No image

SoFi Smart Card

SoFi

Annual Fee

Welcome Bonus

30,000 Flex point

—

Base Earn Rate

—

Top Earn Categories

5X Travel

5X Car Rentals Cititravelcom

5X Hotels Cititravelcom

5X Attractions Cititravelcom

5X Grocery Stores

Network

MASTERCARD

Key Benefits

None

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)

—

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

—

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →