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BECU Low Rate Credit Card vs Citi Strata Card
Both are well-respected travel cards. The BECU Low Rate Credit Card comes from BECU at $0/yr; the Citi Strata Card from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Low Rate Credit Card | Citi Strata Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | 20,000 bonus points |
| Bonus value (est.) | $0 | $340 |
| Min spend to unlock bonus | $0 in 0 mo | - |
| Issuer | BECU | Citi |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Citi Strata Card
$0/yr · 20,000 bonus points
Editorial take: Citi Strata Card
Common questions
- Which card has the bigger sign-up bonus, BECU Low Rate Credit Card or Citi Strata Card?
- The Citi Strata Card has the bigger bonus, 20,000 bonus points, worth roughly $340, versus No welcome bonus (~$0) on the BECU Low Rate Credit Card.
- Is the BECU Low Rate Credit Card's $0 annual fee worth it compared to the Citi Strata Card?
- The BECU Low Rate Credit Card has no annual fee, so the question is whether the Citi Strata Card's $0 fee is justified by its perks. If you'll use enough of the Citi Strata Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Low Rate Credit Card.
- Can I have both the BECU Low Rate Credit Card and Citi Strata Card?
- Yes, since they're from different issuers (BECU and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Low Rate Credit Card or the Citi Strata Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Low Rate Credit Card: $0 spend in 0 months. Citi Strata Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.