Pros & Cons

Pros

  • +Welcome Bonus: 30,000 points
  • +Up to 3x on groceries
  • +No annual fee

Cons

  • Foreign Transaction Fee (3%)
  • No purchase protection

Our Review

Maximize Your Everyday & Travel Spend with the Citi Strata℠ Card

  • 30,000 bonus points after $1,000 in purchases within 3 months
  • 0% intro APR for 15 months on purchases & balance transfers
  • 5× points on hotels, car rentals & attractions booked through CitiTravel.com
  • 3× points at supermarkets, on select transit, gas & EV charging
  • 3× points on your choice of
    – Fitness clubs
    – Select streaming services
    – Live entertainment
    – Cosmetic stores, barber shops & hair salons
    – Pet supply stores
  • 2× points at restaurants
  • 1× point on all other purchases
  • No annual fee

Whether you’re stocking up at the grocery store, exploring a new city or treating yourself to a concert, the Citi Strata℠ Card delivers accelerated points where you spend most. Redeem ThankYou® Points for travel, gift cards or statement credits—and transfer to partner programs for even more value.

Terms apply. Intro APR applies to purchases & balance transfers posted within first 60 days; ongoing APR 19.24%–29.24% variable. Balance transfer fee: 3% for transfers in first 4 months (min $5), then 5%. Foreign transaction fee: 3%. Bonus points require qualifying spend. See issuer for details.

Rewards

All Spending

1x

Citi ThankYou pts per dollar

Groceries

3x

Citi ThankYou pts per dollar

Gas

3x

Citi ThankYou pts per dollar

Restaurants

2x

Citi ThankYou pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries3x
$700/mo
Gas & EV3x
$200/mo
Transit1x
$100/mo
Restaurants2x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

55,200

Citi ThankYou/yr

Estimated Value

$552

After Fees

+$552

1st Year Value

$852

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 3x25,200 pts
Gas & EV$2,400/yr × 3x7,200 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.84x
Total points earned55,200 pts
Value of points accumulated in the first year$552

Fees and interest rates

  • Annual Fee
    $0
  • Foreign currency conversion fee
    3%

Terms & Conditions

Card Features

  • Earn 30,000 bonus points after spending $1,000 in the first 3 months
  • 5 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
  • 3 points per dollar spent at Supermarkets
  • 3 points per dollar spent on Select Transit and at Gas & EV Charging Stations
  • 3 points per dollar spent on an eligible Self-Select Category of your choice including fitness clubs, select streaming services, live entertainment, cosmetic stores/barbershops/hair salons or pet supply stores
  • 2 points per dollar spent at Restaurants
  • 1 point per dollar spent on All Other Purchases

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Citibank. All trademarks are property of their respective owners.