Citi Strata Card
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 →
Welcome bonus
What you get for signing up and hitting the minimum spend.
20,000 ThankYou Points · $1,000 spend in 3mo
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 →
Earn rates
How many points per dollar across categories.
6 categories · top rate 5x
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. |
Transfer partners
Where you can move your Citi ThankYou Rewards to airline + hotel programs.
19 partners · 🎁 bonus active
Meet the partners →
Transfer partners
Where you can move your Citi ThankYou Rewards to airline + hotel programs.
19 partners · 🎁 bonus active
Points earned with this card transfer to 19 partner programs via Citi ThankYou Rewards — bonuses live now flagged below.
| To | Ratio | Notes |
|---|---|---|
| American AAdvantage | Not eligible | AAdvantage Bonus Miles. Narrower eligibility - AT&T cards excluded from both tiers. |
| ALL - Accor Live Limitless | Not eligible | ALL - Accor Live Limitless. ALL Reward points. |
| Avianca LifeMiles | Not eligible | Avianca LifeMiles. |
| Cathay Pacific Asia Miles | Not eligible | Cathay Pacific Asia Miles. |
| Choice Privileges | Not eligible | Choice Privileges hotel points. |
| Emirates Skywards | Not eligible | Emirates Skywards Miles. |
| Etihad Guest | Not eligible | Etihad Guest Miles. |
| EVA Air Infinity MileageLands | Not eligible | EVA Air Infinity MileageLands. |
| Flying Blue | Not eligible | Air France-KLM Flying Blue. |
| Preferred Hotels iPreferBONUS | Not eligible | Preferred Hotels and Resorts I Prefer. +30% bonus active 2026-05-18. |
| JetBlue TrueBlue | Not eligible | JetBlue TrueBlue points. |
| Singapore KrisFlyer | Not eligible | Singapore Airlines KrisFlyer Miles. |
| Leading Hotels Leaders Club | Not eligible | Leaders Club (Leading Hotels of the World). |
| Qantas Frequent Flyer | Not eligible | Qantas Frequent Flyer points. |
| Qatar Privilege Club | Not eligible | Qatar Airways Privilege Club Avios. |
| Thai Royal Orchid Plus | Not eligible | Thai Royal Orchid Plus. |
| Turkish Miles&Smiles | Not eligible | Turkish Miles and Smiles. |
| Virgin Atlantic Flying Club | Not eligible | Virgin Atlantic Flying Club + Virgin Red. |
| Wyndham RewardsBONUS | Not eligible | Wyndham Rewards. +25% bonus active 2026-05-18. |
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
1 program
Browse the portals →
Cardholder experiences
Members-only events, dining access, and special experiences bundled with this card.
1 program
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
1 benefit
Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
See the details →
Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
Other
Other perks on this card.
4 benefits
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Other
Other perks on this card.
4 benefits