Citi

Citi Strata Card

Verified Jun 2026

Citi Strata Card

Name: Citi Strata Card
Brand: Citi

Citi|Personal

Annual Fee

Sign-Up Bonus

20,000 bonus points

Bonus Value

$340

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer

Is this card worth it?

Annual fee

Welcome offer

20,000 bonus points

Est. value

$340

Best for

Travel

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer

Benefits and fees last verified Jun 2026against the issuer's published terms.

Earning Rates

citi travel

supermarkets

transit

gas

choice category

dining

other

Important considerations

Charges foreign transaction fees
This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.

Based on this card's terms last verified Jun 2026.

Citi Strata Card

Citi

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (4)

spend-categories
Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
held-cards
Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
holdings
Which points balances are held? Without them we cannot say whether this card extends the transfer options already available or repeats them.
tracked-objectives
Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_HOLDINGS_EVIDENCE

We hold no balances or card list for you, so we cannot compare this card's programs against anything.

Reaches 19 programs from citi-ty.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED

$0 annual feeIssuer check 2026-06-17

No publishable welcome offer (no-current-offer).

Charges foreign transaction fees. This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.

Computed 2026-10-10T02:17:50.348Z from the facts above. This is a request-time answer, not something we monitor for you.

Earning rates

5x
lodging
5X ThankYou Points per $1 on Hotels, Car Rentals, and Attractions booked through cititravel.com (Citi Travel portal)
3x
groceries
3X ThankYou Points per $1 at Supermarkets
3x
gas
3X ThankYou Points per $1 on Select Transit and at Gas & EV Charging Stations
3x
streaming
3X ThankYou Points per $1 on an eligible Self-Select Category of the cardholder's choice; choose one from: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores / Barber Shops / Hair Salons, or Pet Supply Stores (selection can be changed online or in the Citi Mobile App; per Citi's FAQ, changes take effect the following day at 12 AM CT)
2x
dining
2X ThankYou Points per $1 at Restaurants
1x
everything else
1X ThankYou Points per $1 on all other eligible purchases

Perks & memberships

Authorized users$0 annual fee, no authorized user fee (the entry-level no-annual-fee card in Citi's refreshed 2025 Strata lineup, sitting below the $95 Citi Strata Premier and the $595 Citi Strata Elite)
ExperiencesCiti Entertainment: presale and exclusive ticket access for concerts, sporting events, dining experiences, and cultural events via citientertainment.com
Authorized usersAuthorized Users: cardholder can add Authorized Users at no additional cost and earn ThankYou Points on their spending

Travel & purchase protections

Mastercard ID Theft Protection: identity-monitoring service available to cardholders after enrollment at mastercardidps.idprotectiononline.com
Mastercard Zero Liability protection against unauthorized charges (standard Mastercard benefit)

More benefits & fine print (6)Show

Citi Rewards+ Card product change: cardholders whose Citi Rewards+ Card was automatically converted to the Citi Strata Card in 2025 cannot apply for the welcome bonus on the new Strata Card, because they already hold the product
Citi Travel portal access: cardholders can book flights, hotels, car rentals, and attractions and pay with the card, with ThankYou Points, or with a mix of both. Citi describes the Citi Travel portal as covering a very large worldwide hotel and resort inventory
Mastercard credit card network (confirmed by Citi's Strata FAQ: 'The Citi Strata Card is a Mastercard')
Mastercard Global Service: 24/7 customer assistance for lost/stolen card replacement and emergency cash disbursement
24/7 Citi customer service through the Citi Mobile App
Foreign transaction fee applies (the Citi Strata Card is NOT a no-foreign-transaction-fee card; per the Citi pricing-details box, a fee for foreign purchases applies as a percentage of the U.S. dollar amount of each purchase; the no-FX-fee benefit is reserved for Citi Strata Premier and Citi Strata Elite, which makes Strata a poor choice for international spend)

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

Compare cards side by side Browse all cards

How we verified this card (4 sources)Show

Sources last reviewed May 2026.

Spotted something off? Report an issue. Read our verification methodology.

Transfer Partners

Full guide →

Citi ThankYou points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:

American AAdvantage

airline1:1

Air France/KLM Flying Blue

EVA Air Infinity MileageLands

airline1:1

JetBlue TrueBlue

airline1:1

Qantas Frequent Flyer

airline1:1

Qatar Privilege Club (Avios)

airline1:1

Singapore KrisFlyer

airline1:1

Thai Royal Orchid Plus

airline1:1

Turkish Miles&Smiles

airline1:1

Virgin Atlantic Flying Club

Leading Hotels of the World

hotel5:1

Wyndham Rewards

hotel1:1

Japan Airlines Mileage Bank

airline1:1

The ratios listed are Citi's premium-group ratios (Citi Strata Elite, Citi Strata Premier, Citi Prestige and AT&T Access More). For the Citi Strata Card, Citi's page lists 0.7 of each ratio.

See the Current Offer

Earn 20,000 bonus points

View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Related Cards

Chase Sapphire Preferred

75,000 points · $95/yr

Chase Sapphire Reserve

100,000 points · $795/yr

American Express Gold Card

100,000 points · $325/yr

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

Start a trip search

Affiliate disclosure: Some links on this page are affiliate links. We earn a commission if you click and complete a qualifying action (sign up, book, buy points), at no extra cost to you. We only feature offers we'd use ourselves. Full disclosure.