Citi Strata Premier vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Discover It Miles wins 3-1. No-fee flat travel earn — first-year doubled effectively makes it 3x. Citi Strata Premier is still the right call if replaces premier — solid mid-tier travel with hotel-direct boost..
Side-by-side
| Criterion | Citi Strata Premier | Discover It Miles |
|---|---|---|
| Annual fee | · $95 | No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 10% (travel) | · 1.5% (general) |
| Base reward rate | · 1% | 1.5% |
| Forex markup | = No FX fee | = No FX fee |
| Welcome bonus | = 75,000 ThankYou points after $4,000 spend in 3 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = No waiver | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | · 700 | 670 |
| Editorial rating | = 4.4/5 | = 4.4/5 |
Benefits compared
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
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
FAQ
›Citi Strata Premier vs Discover It Miles: which is better?
Discover It Miles wins on more dimensions (3 vs 1). 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 Strata Premier for its best categories, Discover It Miles for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Citi Strata Premier: 75,000 ThankYou points after $4,000 spend in 3 months. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).