Which card earns more rewards, the Citi Strata Credit Card or SoFi Smart Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the SoFi Smart Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Strata Credit Card or SoFi Smart Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the SoFi Smart Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Citi Strata Credit Card or SoFi Smart Card?

The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Citi Strata Credit Card or the SoFi Smart Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Citi Strata Credit Card vs SoFi Smart Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the SoFi Smart Card wins on grocery stores. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

30,000 Flex point

—

Earn Rates

Category	Citi Strata Credit Card	SoFi Smart Card
Grocery Stores	3X	5X
Cosmetics	3X	1X
Fitness & Gyms	3X	1X
Gas Stations	3X	1X
Live Entertainment	3X	1X
Pet Stores	3X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+No annual fee
+30,000 point welcome bonus
+5X points on travel booked via Citi Travel
+3X points on groceries, transit, gas, and Self-Select category
+Self-Select category flexibility (change quarterly)

—

Cons

−3% foreign transaction fee
−5X rate requires booking through Citi Travel portal
−Self-Select category can only change quarterly
−Lower transfer value compared to premium ThankYou cards

—

Category-by-Category Winner

The Citi Strata Credit Card wins in 9 of 10 categories. The SoFi Smart Card leads in 1.

Grocery Stores

SoFi Smart Card earns 5X vs 3X

Gas Stations

Citi Strata Credit Card earns 3X vs 1X

Transit

Citi Strata Credit Card earns 3X vs 1X

Rotating Category

Citi Strata Credit Card earns 3X vs 1X

Cosmetic Stores

Citi Strata Credit Card earns 3X vs 1X

Fitness & Gyms

Citi Strata Credit Card earns 3X vs 1X

Live Entertainment

Citi Strata Credit Card earns 3X vs 1X

Pet Shops

Citi Strata Credit Card earns 3X vs 1X

Streaming

Citi Strata Credit Card earns 3X vs 1X

Frequently Asked Questions

Which card earns more rewards, the Citi Strata Credit Card or SoFi Smart Card?: The Citi Strata Credit Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Citi Strata Credit Card or the SoFi Smart Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Related Comparisons

Amex Blue Cash Everyday vs Citi Strata Amex Green vs Citi Strata Bank Of America Customized Cash vs Citi Strata Bank Of America Unlimited Cash vs Citi Strata

Explore More

Citi Strata Credit Card — Full Review All Citi Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards · SoFi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

Citi Strata Credit Card vs SoFi Smart Card

Both cards cost $0/yr. The Citi Strata Credit Card is better for travel, while the SoFi Smart Card wins on grocery stores. Here's how they compare.