The Citi Strata is a versatile no-annual-fee card built for everyday spenders who want strong rewards across common household categories. It functions as a powerful daily driver, earning elevated points on groceries, fuel, transit, and a selectable bonus category.
All information about Citi Strata® has been collected independently by MaxRewards. Citi Strata® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Everyday grocery and fuel spending
Customizable bonus categories
Travel booked via Citi Travel
With no annual fee and an impressive lineup of bonus categories, the Citi Strata delivers strong value for households looking to turn daily expenses into flexible rewards. Earning 3x ThankYou Points on groceries, gas, EV charging, transit, and a chosen bonus category makes it remarkably easy to rack up points on routine errands without managing a complex strategy.
Because the card carries a 3% foreign transaction fee, it is better suited for domestic spending than international trips. However, for everyday purchases and travel booked through the Citi Travel portal, it punches well above its zero-dollar price tag.
The Citi Strata offers exceptional value for domestic spenders looking for top-tier rewards on everyday errands without paying an annual fee. Its foreign transaction fee is the primary trade-off for travelers spending abroad.
Welcome Offer
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$300
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$300
Required Spend
$1,000
Time Frame
3 Months
Earning
The card earns Citi ThankYou Points across a wide variety of practical spending categories, making it easy to build a valuable point balance on regular purchases.
Car Rental (cititravel.com)
Entertainment (cititravel.com)
Hotel (cititravel.com)
Choice
EV Charging
Gas
Grocery
Transit
Dining
Everywhere
Rewards percent based on a valuation of 1.5¢ per ThankYou point
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
18.74% - 28.74%
Variable
Transfer APR
18.74% - 28.74%
Variable
Cash Advance APR
29.99%
Variable
Foreign Transaction Fee
$0.03
Balance Transfer
$5
Cash Advance
$10
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
75,000 Points
Worth $1,125
After you spend $6,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$595
Rec. Credit
Excellent
60,000 Points
Worth $900
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$95
Rec. Credit
Excellent
80,000 Miles
Worth $800
After you spend $3,500 on purchases on your new card in your first 4 months of card membership.
Annual Fee
$99
Rec. Credit
Excellent
