Card comparisonSide by side
Citi Strata Elite Card vs Discover it Student Cash Back
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- 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 | cashback |
Card Tier Data: 2/2 cards | Luxury | Entry Level |
Credit Score | — | No Credit Check(N/A) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $595 | $0 |
Foreign Transaction Fee | None | — |
Purchase APR | 20.49% – 28.49% | 16.49% – 25.49% |
Intro APR | — | 0% for 6 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 | 5% back on rotating categories |
Reward Program Data: 2/2 cards | ThankYou Rewards | Discover Cashback Bonus |
| Earning Rates | ||
| Air Travel booked on cititravel.com | 6x ptsMust be booked through cititravel.com | — |
| All Other Purchases | 1.5x pts | 1% backEarn 1% cash back on all other 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 | — |
| Rotating Categories | — | 5% backEarn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. |
| Benefits | ||
Key Benefits |
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