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Side-by-side

Citi Strata Premier Card vs Discover it Miles

Both are travel travel cards. The Citi Strata Premier Card comes from Citi at $95/yr; the Discover it Miles from Discover at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Citi Strata Premier Card is the stronger pick today, the sign-up bonus is meaningfully larger ($570 more in estimated value) than the Discover it Miles's. Get the Citi Strata Premier Card first; revisit the Discover it Miles after you've earned that bonus.

FeatureCiti Strata Premier CardDiscover it Miles
Annual fee$95$0
Sign-up bonus60,000 bonus pointsUnlimited Miles Match (entire first-year miles doubled)
Bonus value (est.)$1,020$450
Min spend to unlock bonus$4,000 in 3 mo$0 in 12 mo
IssuerCitiDiscover
Card categorytraveltravel
Best earning category (Travel)3x1.5x
Transfer partnersciti-tyNone
Headline benefits
  • 10x CitiTravel.com hotels/cars/attractions
  • 3x on restaurants, groceries, flights, hotels, gas, EV
  • $100 hotel savings benefit
  • No foreign transaction fees
  • 1.5x everywhere
  • First-year match = 3x
  • No annual fee
  • No foreign tx fees
Read the full review
Citi Strata Premier Card
$95/yr · 60,000 bonus points
Read the full review
Discover it Miles
$0/yr · Unlimited Miles Match (entire first-year miles doubled)

Editorial take: Citi Strata Premier Card

A strong mid-tier card with the late-2024 refresh adding 10x on CitiTravel.com and EV charging to the 3x grid. The $100 hotel benefit and 16 transfer partners (Avianca, Flying Blue, Turkish, Virgin Atlantic, Wyndham) make it competitive with Sapphire Preferred at the same $95 fee.

Editorial take: Discover it Miles

A rare card that effectively earns 3x in year one (1.5x + match). Miles aren't transferable, but the simplicity + first-year match make this a strong starter travel card.

Common questions

Which card has the bigger sign-up bonus, Citi Strata Premier Card or Discover it Miles?
The Citi Strata Premier Card has the bigger bonus, 60,000 bonus points, worth roughly $1,020, versus Unlimited Miles Match (entire first-year miles doubled) (~$450) on the Discover it Miles.
Is the Citi Strata Premier Card's $95 annual fee worth it compared to the Discover it Miles?
At $95/yr, the Citi Strata Premier Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Discover it Miles's, pick the one whose perks you'll actually use.
Can I have both the Citi Strata Premier Card and Discover it Miles?
Yes, since they're from different issuers (Citi and Discover) 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 Citi Strata Premier Card or the Discover it Miles first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Strata Premier Card: $4,000 spend in 3 months. Discover it Miles: $0 in 12 months. 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.