Card comparisonSide by side
Citi Strata Elite Card vs Discover it Miles
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, and Reward Program are editorial labels and may still be pending enrichment. A rating is shown only when available.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Citi | Discover |
Card Network | ||
Card Type Data: 2/2 cards | travel | travel |
Card Tier Data: 2/2 cards | Luxury | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $595 | $0 |
Foreign Transaction Fee | None | — |
Purchase APR | 20.49% – 28.49% | 17.49% – 26.49% |
Intro APR | — | 0% for 15 months |
| Rewards | ||
Welcome Bonus | Earn 75,000 points | — |
Reward Rate Data: 2/2 cards | 12x pts on hotels, car rentals, and attractions booked on cititravel.com | 1.5x miles on all purchases |
Reward Program Data: 2/2 cards | ThankYou Rewards | Discover it Miles Rewards |
| Earning Rates | ||
| Air Travel booked on cititravel.com | 6x ptsMust be booked through cititravel.com | — |
| All Other Purchases | 1.5x pts | — |
| All purchases | — | 1.5x milesUnlimited earnings on travel purchases and all everyday purchases |
| Hotels, Car Rentals, and Attractions booked on cititravel.com | 12x ptsMust be booked through cititravel.com | — |
| Restaurants (all other times) | 3x ptsAny time other than Friday/Saturday 6 PM - 6 AM ET | — |
| Restaurants on Citi Nights purchases | 6x ptsFriday and Saturday from 6 PM - 6 AM ET | — |
| Benefits | ||
Key Benefits |
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