Citi Strata Card

Annual fee

Welcome bonus

20,000 ThankYou Points

Foreign txn fee

The Citi Strata is the no-annual-fee ThankYou card that replaced Citi Rewards+ in 2025, with a broader, richer earn structure: 5X on travel booked through Citi Travel, 3X at supermarkets, 3X on transit, gas, and EV charging, 3X on a self-select category you pick (from fitness clubs, select streaming, live entertainment, salons, or pet stores), and 2X at restaurants. Unlike its cash-back siblings, the Strata transfers ThankYou points to Citi's airline and hotel partners on its own - no premium card required. Add a 0% intro APR for 15 months and World Elite Mastercard perks, and it's a strong free everyday-earner. Note the 3% foreign transaction fee.

Welcome bonus

What you get for signing up and hitting the minimum spend.

20,000 ThankYou Points · $1,000 spend in 3mo

See the offer →

20,000 ThankYou Points after spending $1,000 in the first 3 months.

Earn 20,000 bonus ThankYou points after $1,000 in purchases in the first 3 months.

Earn rates

How many points per dollar across categories.

6 categories · top rate 5x

See the multipliers →

Card-level multipliers. Earn currency: Citi ThankYou Rewards.

Category	Rate	Notes
Travel	5x	5X on hotels, car rentals, and attractions booked through Citi Travel.
Groceries	3x	3X at supermarkets.
Transit	3x	3X on select transit, gas stations, and EV charging.
Self Select	3x	3X on one self-select category of your choice: fitness clubs, select streaming, live entertainment, cosmetic stores/barbers/salons, or pet supply stores.
Dining	2x	2X at restaurants.
All other purchases	1x	1X on all other purchases.

Unlock transfers

Pair this card with a travel card in the Citi ThankYou Rewards family to unlock transfers to airline + hotel partners.

Pair with a travel card to unlock partners

See your unlock cards →

💡 Pair with another travel card to unlock transfer partners. Points earned on this card become transferable to airline + hotel partners when you combine them into one of these Citi ThankYou Rewards travel cards:

You can combine across your own personal + business cards from the same issuer (Chase allows household-member pooling too with a one-time setup; Citi keeps it to your own cards only). Check your issuer's rules for details.

Without one of the travel cards above, points on this card redeem at fixed cash-back / portal value only.

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

1 program

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Citi Entertainment

Citi's exclusive ticket presales, preferred seating, dining events, and sports access. Available to all Citi credit cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

1 benefit

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Mastercard ID Theft Protection

Free identity-theft monitoring and alerts through Mastercard (enrollment required).

Transfer partner perks

Partners this card unlocks for point transfer.

1 benefit

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Transfer to Travel Partners

Transfer ThankYou points 1:1 to Citi's airline and hotel partners (no fee, 1,000-point minimum) - no premium Citi card required.

Other

Other perks on this card.

4 benefits

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0% Intro APR for 15 Months

0% intro APR on purchases and balance transfers for 15 months, then a variable 18.49%-28.49% APR.

Self-Select 3X Category

Pick one 3X category - fitness clubs, select streaming, live entertainment, salons/barbers/cosmetic stores, or pet supply stores. Defaults to Select Streaming Services; you can change it once per calendar quarter at citi.com/selfselect.

No Annual Fee

No annual fee.

Choose Your Payment Due Date

Pick a payment due date at the beginning, middle, or end of the month.