Bankrate compares two popular Citi credit cards, the Citi Rewards+ and the Citi Strata Premier, highlighting their key features, benefits, and differences to help consumers make informed financial decisions. The Citi Rewards+ card stands out for its lack of an annual fee and unique round-up feature that maximizes point earning on small purchases. It also offers a 0% introductory APR for 15 months on purchases and balance transfers, appealing to those looking to save on interest. On the other hand, the Citi Strata Premier card offers higher rewards rates, a substantial welcome bonus, and valuable travel benefits such as trip cancellation/interruption coverage and an annual $100 hotel savings perk. However, it comes with a $95 annual fee and doesn't offer an introductory APR. Both cards require good to excellent credit scores, making them accessible to consumers with strong credit histories. Ultimately, the choice between the two cards depends on the individual's spending habits, travel frequency, and preference for either higher rewards or lower fees.
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