Citi Strata Card overview
The Citi Strata℠ Card (see charges and charges) is the most recent no-annual-fee Citi card that earns Citi ThankYou Rewards factors. Citi Strata has spectacular incomes charges on eating, gasoline and supermarkets, making it a wonderful alternative as an on a regular basis card. Card score*: ⭐⭐⭐⭐
* Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
The Citi Rewards+® Card was rebranded to the Citi Strata Card in Might. It is difficult when an issuer adjustments a fan-favorite card, however these adjustments have made it extra useful for cardholders.
New functions for the Citi Strata Card at the moment are open, and as of July 20, all Citi Rewards+ Card holders have been transformed to the Strata Card and can obtain a brand new card when their present one expires.
The Citi Strata has a broad vary of bonus-earning classes, from journey and supermarkets to a brand new self-select quarterly class. This offers cardholders flexibility and helps them maximize their earnings. With no annual price and an easy-to-earn welcome provide, the Citi Strata is a superb alternative for these beginning their journey within the Citi ThankYou Rewards factors ecosystem.
To extend your chance of approval, you will want a beneficial credit score rating of 670 or greater.
Whether or not your account was transformed otherwise you’re considering of making use of for the cardboard, learn forward to find out how this card stands out.
The data for the Citi Rewards+ has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Citi Strata Card professionals and cons
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Citi Strata Card welcome provide
New candidates for the Citi Strata can earn 30,000 bonus factors after spending $1,000 on purchases throughout the first three months of account opening. Based mostly on TPG’s July 2025 valuations, this welcome provide is value $555.
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New cardholders additionally obtain a 0% introductory annual proportion fee on purchases and steadiness transfers for 15 months, after which, based mostly in your creditworthiness, a variable APR of 19.24% to 29.24% applies.
In case your Citi Rewards+ Card was mechanically modified to the Citi Strata Card on July 20, you may’t apply for the Strata Card as a result of you have already got it. However in case you by no means had the Citi Rewards+ Card, you may apply for the Strata Card and get the welcome bonus.
Moreover, the welcome bonus isn’t obtainable to candidates who acquired a brand new account bonus for a Citi Rewards+ account prior to now 48 months or those that transformed one other Citi account on which they earned a brand new account bonus within the final 48 months right into a Citi Strata or Citi Rewards+ account.
Associated: Finest bank card welcome affords this month
Citi Strata Card advantages
The Citi Strata has no annual price, and, as such, you will not discover many advantages like assertion credit or journey perks. Sometimes, no-annual-fee playing cards have introductory APR affords on purchases and steadiness transfers however present restricted methods to redeem rewards.
For instance, the Citi Strata Premier® Card (see charges and charges), with a $95 annual price, comes with a $100 annual credit score when spending at the very least $500 (excluding taxes and charges) on a resort booked via the Citi journey portal.
Incomes factors on the Citi Strata Card
The Citi Strata shines in its skill to simply earn bonus factors throughout many classes, together with:
- 5 factors per greenback spent on lodges, automotive leases and points of interest booked via the Citi journey portal
- 3 factors per greenback spent at supermarkets and on choose transit, EV charging and gasoline purchases
- 3 factors per greenback spent on an eligible self-select class (which you’ll change every quarter)
- 2 factors per greenback spent at eating places
- 1 level per greenback spent on all different purchases
The eligible self-select classes are:
- Barber outlets, beauty shops and hair salons
- Health golf equipment
- Dwell leisure
- Pet provide shops
- Choose streaming companies
These robust incomes charges largely mirror these of the Citi Strata Premier however with out the $95 annual price, making the Strata a wonderful entry-level choice.
These incomes charges can create Citi’s model of the Chase Trifecta, the place you mix a number of Citi playing cards to maximise rewards. For instance, cardholders can carry each the Citi Strata and the brand new, premium Citi Strata Elite℠ (see charges and charges) to maximise earnings via the Citi journey portal and restaurant purchases on Friday and Saturday evenings.
The Citi Strata Card stands out with its quarterly self-select class of three factors per greenback. Citi offers you a well-rounded record of classes that make it simple to maximise your rewards — and you may change the class every quarter.
By default, the self-select class is choose streaming companies. With a view to change your class as soon as per quarter, you will need to log in at citi.com/selfselect or name 1-800-842-6596. This is likely one of the finest bonus classes discovered on the cardboard in comparison with different no-annual-fee playing cards.
These incomes charges make this card a powerful contender for on a regular basis purchases, difficult the likes of the Chase Freedom Limitless® (see charges and charges) and the Chase Freedom Flex®, which has included health golf equipment or streaming companies as earlier quarterly bonus classes (however caps reward earnings for these bonus classes at $1,500 every quarter; activation required).
The data for the Chase Freedom Flex has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Redeeming factors on the Citi Strata Card
The Citi Strata earns Citi ThankYou Rewards factors which are redeemable for assertion credit, money again or present playing cards. Factors will also be transferred to a set of journey companions particular to the cardboard.
Redeeming ThankYou Rewards factors for journey booked via the Citi journey portal will provide you with 1 cent per level in worth, far lower than TPG’s July 2025 valuations.
Associated: Finest methods to redeem Citi ThankYou Rewards factors
Transferring factors on the Citi Strata Card
Citi Strata Card holders can switch factors to twenty air, resort and retail companions within the ThankYou Rewards program. Most switch ratios are 1:0.7, which means you get 0.7 factors or miles for each ThankYou level transferred.
Nonetheless, in case you maintain an eligible premium Citi card, just like the Citi Status® Card, the Citi Strata Elite or the Citi Strata Premier, you may switch to Citi’s full record of 21 companions at improved switch ratios. This additionally means the flexibility to mix factors and switch to Citi’s latest switch companion, American Airways AAdvantage.
The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
TPG lead author Katie Genter loves the Wyndham Rewards program and has secured award stays for simply 7,500 factors per night time in Jeju, South Korea, and 15,000 factors per night time in Hawaii.
Associated: Is reserving Japan Airways award flights through JetBlue TrueBlue one of the best new candy spot?
Which playing cards compete with the Citi Strata Card?
Whereas the Citi Strata comes with no annual price and affords stellar incomes charges, listed below are another playing cards to contemplate in case you desire one other issuer or an easier card:
- If you wish to earn money again on on-line purchases: The Blue Money On a regular basis® Card from American Specific earns equally to the Citi Strata at U.S. supermarkets and U.S. gasoline stations. It additionally earns 3% money again on U.S. on-line retail purchases, however all of the bonus classes solely earn bonus money again for as much as $6,000 in purchases for every class per calendar 12 months, then 1%. (Money again is acquired within the type of Reward {Dollars} that may be redeemed as an announcement credit score or at amazon.com checkout.) To study extra, learn our full evaluation of the Amex Blue Money On a regular basis Card.
- If you wish to earn Chase Final Rewards factors: The Chase Freedom Limitless has fewer bonus classes, incomes bonus money again at drugstores and on Chase Journey℠ purchases and eating (together with takeout and eligible supply companies). The very best facet of the cardboard is the flexibility to earn 1.5% money again on all different purchases, making it wonderful for on a regular basis purchases. When you’ve got a premium Chase Final Rewards card just like the Chase Sapphire Reserve® (see charges and charges), you may mix your rewards from the Freedom Limitless. To study extra, learn our full evaluation of the Freedom Limitless.
- If you need a easy incomes fee: The Citi Double Money® Card (see charges and charges) earns 2% money again on all purchases: 1% whenever you purchase and 1% whenever you repay your assertion invoice. Cardholders also can convert money again to ThankYou factors with an eligible bank card that earns Citi ThankYou Rewards factors. To study extra, learn our full evaluation of the Citi Double Money.
For extra choices, try our full record of no-annual-fee playing cards.
Is the Citi Strata Card value it?
For a no-annual-fee card, the Citi Strata‘s incomes charges are nice and problem opponents just like the Chase Freedom Limitless. The cardboard pairs effectively with Citi’s extra travel-oriented playing cards, just like the Citi Strata Elite, which could be a good way to rapidly earn ThankYou factors and mix them to switch to Citi’s airline and resort companions. When you’re seeking to develop the range of your factors, the Citi Strata Card is unquestionably worthy of consideration.
Backside line
The Citi Strata is likely one of the finest no-annual-fee playing cards so as to add to your pockets. The cardboard’s wide selection of bonus classes and distinctive self-select class that you may change quarterly is a straightforward approach to earn bonus factors on on a regular basis purchases.
I might advocate pairing this card with a extra premium card within the Citi Strata lineup to reap the benefits of extra profitable switch companions like American Airways AAdvantage — and at greater switch charges. With Citi’s refreshed lineup, the Citi Strata is a powerful contender on your on a regular basis spending.
Apply right here: Citi Strata Card
