Citi
Citi Strata
No annual fee · Earns ThankYou Points
The Citi Strata Card is a no-annual-fee card that earns ThankYou points across grocery, gas, transit, dining, and a category you choose. It suits everyday spenders who want flexible rewards without paying an annual fee.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 5x | |
| Dining | 2x | |
| Everything else | 1x |
Benefits
Welcome Bonus
- Welcome Bonus Points20,000 pts
Earn 20,000 bonus ThankYou Points after spending $1,000 on purchases within the first 3 months of opening your account. Points can be redeemed for travel, gift cards, cash back, and more.
Bonus Earnings
- 5X Points on Hotels, Car Rentals and Attractions via Citi Travel
Earn 5 ThankYou Points per $1 on hotels, car rentals, and attractions when you book through the Citi Travel portal at cititravel.com. Bookings made directly with hotels or rental companies do not qualify for this elevated rate.
Resets: Yearly - 3X Points on Supermarkets, Select Transit, and Gas & EV Charging
Earn 3 ThankYou Points per $1 at supermarkets, gas stations, EV charging stations, and on select transit purchases. Just use your card at these merchants directly — no portal or activation is needed. Eligibility is based on the merchant's category code.
Resets: Yearly - 3x Self-Select Category Benefit
Earn 3x ThankYou® Points on purchases in one bonus category you choose: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores. Select your category through your Citi account; you can update it periodically per program terms.
Resets: Yearly - 2X Points at Restaurants
Earn 2 ThankYou Points per $1 whenever you pay at restaurants. Points are credited automatically — no activation or special portal needed, just use your card when dining out.
Resets: Yearly - 1X Points on All Other Purchases
Earn 1 ThankYou Point per $1 on any purchase that doesn't qualify for a higher bonus rate. Points are added to your account automatically with no earning caps or enrollment required.
Resets: Yearly
Statement Credits
- Global Entry / TSA PreCheck Application Fee Credit$120 / 4yrTrackable
Covers the application fee—up to $120—for Global Entry® or TSA PreCheck® when you charge it to your card. The credit is available once every 4 years, so plan around your membership renewal cycle.
Resets: Every 4 years