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Citi Double Cash vs Strata Premier

Both are Citi cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Double Cash 2.0% 2% base rate
  2. Strata Premier 1.9% 1x base rate

Dining

  1. Strata Premier 5.7% 3x
  2. Double Cash 2.0% 2% base rate

Groceries

  1. Strata Premier 5.7% 3x
  2. Double Cash 2.0% 2% base rate

Gas

  1. Strata Premier 5.7% 3x
  2. Double Cash 2.0% 2% base rate

Flights

  1. Strata Premier 5.7% 3x
  2. Double Cash 2.0% 2% base rate

Hotels

  1. Strata Premier 5.7% 3x
  2. Double Cash 2.0% 2% base rate

Hotels · portal

  1. Strata Premier · Citi Travel 19.0% 10x
  2. Double Cash · Citi Travel 5.0% 5%

Car rental · portal

  1. Strata Premier · Citi Travel 19.0% 10x
  2. Double Cash · Citi Travel 5.0% 5%

Attractions · portal

  1. Strata Premier · Citi Travel 19.0% 10x
  2. Double Cash · Citi Travel 5.0% 5%

What the numbers are doing

Abroad the answer flips: Double Cash charges a 3% foreign transaction fee, so once that comes off the rate Strata Premier is the better card for everyday spend.

The table is earn rate only — annual fees are not netted out of it. These cards charge Double Cash $0 and Strata Premier $95 a year, so a thin lead in one category may not cover the difference.

Where they differ: Double Cash takes everything else; Strata Premier takes dining, groceries, gas and flights, plus 1 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseDouble Cash2.0%
DiningStrata Premier5.7%
GroceriesStrata Premier5.7%
GasStrata Premier5.7%
FlightsStrata Premier5.7%
HotelsStrata Premier5.7%
Hotels · portalStrata Premier · Citi Travel19.0%
Car rental · portalStrata Premier · Citi Travel19.0%
Attractions · portalStrata Premier · Citi Travel19.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Double Cash — 2.0%
  2. Strata Premier — 1.9%

Dining

  1. Strata Premier — 5.7%
  2. Double Cash — 2.0%

Groceries

  1. Strata Premier — 5.7%
  2. Double Cash — 2.0%

Gas

  1. Strata Premier — 5.7%
  2. Double Cash — 2.0%

Flights

  1. Strata Premier — 5.7%
  2. Double Cash — 2.0%

Hotels

  1. Strata Premier — 5.7%
  2. Double Cash — 2.0%

Hotels · portal

  1. Strata Premier · Citi Travel — 19.0%
  2. Double Cash · Citi Travel — 5.0%

Car rental · portal

  1. Strata Premier · Citi Travel — 19.0%
  2. Double Cash · Citi Travel — 5.0%

Attractions · portal

  1. Strata Premier · Citi Travel — 19.0%
  2. Double Cash · Citi Travel — 5.0%
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