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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.
Points Earned
55,200
Citi ThankYou/yr
Estimated Value
$552
After Fees
+$552
1st Year Value
$852
incl. welcome bonus
Breakdown
Fees and interest rates
- Annual Fee$0
- Foreign currency conversion fee3%
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.
