Citi
Citi Strata Card Review: Benefits, Credits & Annual Fee
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.
- 5xTravel
- 3xSupermarkets +3
- 2xDining
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
Citi Strata Card Review at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Citi
- Rewards:
- ThankYou Points
Citi Strata Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Travel general | 5x | Portal bookings only |
| Groceries | 3x | |
| Gas | 3x | |
| Transit | 3x | |
| Dining | 2x | |
| Everything else | 1x |
Who Should Get the Citi Strata?
The Citi Strata fits people who spend most on groceries (3x) and gas (3x). It has no annual fee, so it costs nothing to keep.
Is the Citi Strata Worth It?
The Citi Strata has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Citi Strata Welcome Bonus
20,000 ThankYou points
Offer history
- Usual
- 20K points
- Highest seen
- 20K points
- Sep 720,000 ThankYou points
- Dec 3Bonus ThankYou Points after spending $1,000 in the first 3 months (amount not shown)
Tracked since Dec 2025
Citi Strata Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Citi Strata. Its value comes from its rewards and other benefits on this page.
Citi Strata Travel Benefits
Travel Benefits
- ThankYou Points Transfer
Transfer ThankYou Points to participating airline and hotel loyalty programs, including American Airlines, JetBlue, Virgin Atlantic, Cathay, EVA Air, Choice Hotels, and The Leading Hotels of the World. Choose a partner in your ThankYou account to transfer points. Transfers start at 1,000 points.
Checked Oct 7, 2026
More Citi Strata Card Benefits
Bonus Earnings
- 5X Points on Hotels, Car Rentals and Attractions via Citi Travel5x points
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.
Checked Oct 1, 2026 - 3X Points on Supermarkets, Select Transit, and Gas & EV Charging3x points
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.
Checked Oct 1, 2026 - 3x Self-Select Category Benefit3x points
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.
Checked Oct 1, 2026 - 2X Points at Restaurants2x points
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.
Checked Oct 1, 2026 - 1X Points on All Other Purchases1x points
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.
Checked Oct 1, 2026
Entertainment
- Citi Entertainment
Get access to purchase tickets through Citi Entertainment, including presales and special event experiences. Check Citi Entertainment for participating concerts, sporting events, and arts and culture events, then follow the offer’s purchase instructions. Access and ticket availability vary by event.
Checked Oct 7, 2026
Fees & Miscellaneous
- Free FICO Score Access
View your FICO Score online at no cost through Citi. Sign in to your account and find the score to check a snapshot of your credit standing. A credit score is not the same as a complete credit report or credit history.
Checked Oct 7, 2026 - Gift Cards and Other ThankYou Redemptions
Redeem ThankYou Points for retailer gift cards and other available rewards. Browse redemption options through your ThankYou account and choose a reward to use your points. Gift card choices and other redemption options depend on what is available when you redeem.
Checked Oct 7, 2026 - Mastercard ID Theft Protection
Mastercard ID Theft Protection monitors personal information you choose to protect and alerts you when it finds suspicious activity. Set up the service and provide the information you want monitored. Alerts depend on the information you enroll and the activity the program detects.
Checked Oct 7, 2026 - No Additional Authorized User Cost
Add an authorized user to your Citi Strata account at no additional cost. Request an authorized-user card through Citi so that person can make purchases on the account and earn points on those purchases. You remain responsible for charges made on the account.
Checked Oct 7, 2026 - Foreign Transaction Fee3% / yr
A 3% fee applies to each purchase made outside the U.S. or in a foreign currency.
Checked Sep 26, 2026
Citi Strata vs Other Citi Cards
- AAdvantage MileUpNo annual fee
- AT&T Points PlusNo annual fee
- Citi Diamond PreferredNo annual fee
- Citi Double CashNo annual fee
Related credit card guides
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Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
Citi Strata FAQs
Is the Citi Strata Card worth the annual fee?
Compare Citi Strata's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
What are the benefits of the Citi Strata Card?
Citi lists the basic Strata card separately from Strata Premier and Strata Elite, with a $0 annual fee and its own eligible earning categories. Review the basic Strata earning table and application terms for the categories and restrictions that apply to your card. Checked against Citi’s product comparison September 26, 2026.
What is the annual fee for the Citi Strata Card?
Creddy's catalog lists a $0 annual fee for Citi Strata as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Citi before applying or renewing.
Does the Citi Strata Card come with a welcome bonus?
Welcome offers for Citi Strata can change and may depend on your application or account history. Check Citi's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Citi Strata Card?
Citi Strata may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Citi Strata Card compare to other Citi cards?
Compare Citi Strata with other Citi cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.