Citi Rewards+ vs. other Citi cards

Last reviewed: September 2026. Citi Rewards+® has been replaced by the Citi Strata℠ Card. This comparison uses the current Citi Strata product when discussing an option available to new applicants.

The former Citi Rewards+ Card used an unusual rewards structure built around Round Up and 10% Points Back. Those features are no longer part of Citi's current standard Strata program.

Consumers comparing Citi cards today can instead compare Citi Strata with products such as Citi Double Cash® and Citi Strata Premier® according to their current rewards structures and fees.

Citi Strata

The current Citi Strata Card has a $0 annual fee and earns:

• 5X on eligible hotels, car rentals and attractions through Citi Travel;
• 3X at eligible supermarkets;
• 3X on select transit;
• 3X at eligible gas and EV charging stations;
• 3X in one eligible Self-Select Category;
• 2X at eligible restaurants;
• 1X on other eligible purchases.

This is substantially different from the former Rewards+ structure of 2X at supermarkets and gas stations on the first $6,000 in combined annual spending.

Citi Strata vs. Citi Double Cash

Citi Double Cash currently emphasizes a simple flat-rate cash-back structure rather than category-based rewards.

Double Cash currently earns unlimited 2% cash back on eligible purchases: 1% when a purchase is made and another 1% as that purchase is paid.

It also currently has no annual fee.

Citi Strata can provide higher earning rates in its accelerated categories, while Double Cash provides a higher standard rate than Strata's 1X on eligible purchases outside bonus categories.

Citi Strata vs. Citi Strata Premier

Citi Strata Premier currently has a $95 annual fee and a rewards structure with greater emphasis on travel.

• 10X on eligible hotels, car rentals and attractions through Citi Travel;
• 3X on eligible air travel and other hotel purchases;
• 3X at eligible restaurants;
• 3X at eligible supermarkets;
• 3X at eligible gas and EV charging stations;
• 1X on other eligible purchases.

Strata Premier also currently offers an annual hotel benefit and no foreign transaction fees, subject to its terms.

The standard Citi Strata Card instead has no annual fee and provides the Self-Select Category and select transit category.

Do not use Citi Prestige as a current comparison

Older Rewards+ comparisons frequently use Citi Prestige as the premium alternative. That does not accurately reflect Citi's current new-card portfolio.

Citi's current premium ThankYou Rewards products include the Citi Strata Premier and Citi Strata Elite families, so comparisons should use currently available products whenever the goal is to help a consumer evaluate a new application.

Different cards serve different spending patterns

A card with the highest rate in one category is not automatically the most suitable option for every consumer.

Relevant factors can include annual fees, supermarket spending, restaurant spending, travel purchases, purchases outside bonus categories and preferred redemption methods.

Frequently asked questions

Is Citi Rewards+ still available?

No. The product was replaced by the Citi Strata Card.

Does Citi Strata still have Round Up?

No. Round Up was associated with the former Rewards+ Card and is no longer part of the standard Citi Strata rewards structure.

Which has a higher base rewards rate: Strata or Double Cash?

Outside accelerated categories, Citi Strata currently earns 1X point per eligible dollar, while Double Cash currently provides up to 2% cash back on eligible purchases under its buy-and-pay structure.

Final considerations

The former Rewards+ Card should no longer be compared as though it were a current new-card option.

Consumers evaluating Citi cards today can compare the current Citi Strata, Citi Double Cash and Citi Strata Premier structures according to actual spending habits and costs.

For current products, review the official Citi credit cards page.

This content is provided for informational and educational purposes only and does not constitute financial advice. Rewards, fees and card availability may change.