Key takeaways
- The Citi Strata Premier℠ Card offers a significantly higher welcome bonus and more opportunities for cardholders to earn rewards.
- The Citi Rewards+® Card doesn’t charge annual fees and provides a unique round-up feature for point earning.
- Citi Strata Premier offers more valuable benefits, but the $95 annual fee and lack of intro APR offer make it a pricier option.
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If you’re looking for an everyday rewards card to add to your wallet, the Citi Rewards+ Card and the Citi Strata Premier Card might both be on your radar. Both cards are low-maintenance options that offer rewards in popular categories, as well as flexible redemptions. Still, they target rather different types of cardholders.
In this guide, we’ll compare the cards’ terms, benefits, redemption options and more. Learn what each card offers to determine whether you should apply for the Citi Rewards+ or the Citi Strata Premier.
Main details
| Cards | Citi Rewards+ | Citi Strata Premier |
|---|---|---|
| Welcome bonus | 20,000 bonus points after you spend $1,500 in purchases within the first 3 months of account opening | 70,000 bonus points after you spend $4,000 in purchases within the first 3 months of account opening |
| Rewards rate |
|
|
| Intro APR | 0% intro APR for 15 months (from the date of account opening) on purchases and balance transfers (18.74% to 28.74% variable APR after) | None; 21.24% to 29.24% variable APR |
| Annual fee | $0 | $95 |
Citi Rewards+ vs. Citi Strata Premier highlights
To choose between two cards, it’s a good idea to compare each of their aspects side by side.
Let’s begin with the rewards and some common fees.
It’s much easier to earn the intro bonus on the Citi Rewards+ — you only need to spend $500 monthly for three months.
Additionally, you can get 10 percent of your points back on the first 100,000 points you redeem annually (up to 10,000 points).