Citi Double Cash vs Citi Strata Premier
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Citi Double Cash wins 4-2. Set-it-and-forget-it 2% on everything Citi Strata Premier is still the right call if replaces premier — solid mid-tier travel with hotel-direct boost..
Side-by-side
| Criterion | Citi Double Cash | Citi Strata Premier |
|---|---|---|
| Annual fee | No annual fee | · $95 |
| Joining fee | = None | = None |
| Top reward rate | · 2% (general) | 10% (travel) |
| Base reward rate | 2% | · 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cash back after spending $1,500 in first 6 months | = 75,000 ThankYou points after $4,000 spend in 3 months |
| Fee waiver threshold | = N/A (no fee) | = No waiver |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Citi Double Cash
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
Citi Strata Premier
- 10x on hotels, car rentals, and attractions via Citi Travel
- 3x at restaurants + supermarkets + gas stations
- 1x on everything else
- $100 hotel benefit on $500+ Citi Travel hotel bookings
- Transfer to 16 airline + hotel partners
FAQ
›Citi Double Cash vs Citi Strata Premier: which is better?
Citi Double Cash wins on more dimensions (4 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Citi Double Cash for its best categories, Citi Strata Premier for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Double Cash: $200 cash back after spending $1,500 in first 6 months. Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months.