Double Cash vs Strata Elite
Double Cash
$0/yr
7.0/10
VS
Strata Elite
$595/yr
5.5/10
Quick Answer
Double Cash charges no annual fee with 1X base rewards. Strata Elite charges $595/yr with 1X base rewards. Double Cash offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Double Cash →
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Winner by Category
Annual Fees
Double Cash
Lower annual fee ($0 vs $595)
Rewards Earning
Double Cash
2 earning categories
Benefits & Protection
Double Cash
4 benefits vs 0
Statement Credits
Strata Elite
$350 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Double Cash wins for most people
The $595 fee difference is hard to justify unless you maximize premium benefits.
Apply for Double CashPREMIUM PICK
Strata Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Strata EliteRewards Earning: Detailed Comparison
Double Cash
| Everything (1% when you buy + 1% when you pay) | 2.0X |
| Hotels, car rentals, attractions (Citi Travel) | 5.0X |
Strata Elite
| Hotels, air travel, restaurants, supermarkets, gas | 3.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Double Cash (4 benefits)
- Worldwide Trip Delay Protection (up to $200)
- Worldwide Car Rental Insurance
- Citi Purchase Protection (up to $1,000)
- Citi Extended Warranty (up to $10,000)
Strata Elite (0 benefits)
No benefits data available