Card comparisonSide by side
Citi Strata Premier® 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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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 | student |
Card Tier Data: 2/2 cards | Mid Tier | Entry Level |
Credit Score | — | No Credit Check(N/A) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $95 | $0 |
Foreign Transaction Fee | None | — |
Purchase APR | 19.49% – 27.49% | 16.49% – 25.49% |
Intro APR | — | 0% for 6 months |
| Rewards | ||
Welcome Bonus | Earn 60,000 points | — |
Reward Rate Data: 2/2 cards | 10x pts on hotels, car rentals and attractions booked on cititravel.com | 5% back on rotating categories |
Reward Program Data: 2/2 cards | Citi ThankYou | Discover Cashback Bonus |
| Earning Rates | ||
| Air Travel and Other Hotel Purchases | 3x pts | — |
| All Other Purchases | 1x pts | 1% back |
| Gas & EV Charging Stations | 3x pts | — |
| Hotels, Car Rentals and Attractions booked on cititravel.com | 10x ptsMust be booked through cititravel.com | — |
| Restaurants | 3x pts | — |
| Rotating Categories | — | 5% backEarn 5% cash back on rotating categories up to the quarterly maximum when you activate |
| Supermarkets | 3x pts | — |
| Benefits | ||
Key Benefits |
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