Citi Strata Card

Earning Rates

Key Benefits

All Benefits

• $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)
• Welcome offer: earn 20,000 bonus ThankYou Points after spending $1,000 on purchases in the first 3 months from account opening (per TPG's July 2025 review, worth approximately $380 at TPG valuations)
• 5X ThankYou Points per $1 on Hotels, Car Rentals, and Attractions booked through cititravel.com (Citi Travel portal)
• 3X ThankYou Points per $1 at Supermarkets
• 3X ThankYou Points per $1 on Select Transit and at Gas & EV Charging Stations
• 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 ThankYou Points per $1 at Restaurants
• 1X ThankYou Points per $1 on all other eligible purchases
• 0% intro APR for 15 months on purchases and balance transfers from date of account opening; after the intro period, a variable APR of 18.49% to 28.49% applies (rates per TPG's July 2025 review of the refreshed Citi Strata Card)
• Intro balance transfer fee applies for transfers completed within the first 4 months of account opening; standard balance transfer fee applies thereafter (per Citi product page pricing details box)
• Welcome bonus 48-month eligibility rule: bonus ThankYou Points are not available if the applicant received a new account bonus for a Citi Strata, Citi Strata Student, Citi Rewards+, or Citi Rewards+ Student account in the past 48 months, or if they converted another Citi credit card account on which they earned a new account bonus in the last 48 months into one of those accounts
• Citi Rewards+ Card product change: per TPG, cardholders whose Citi Rewards+ Card was automatically converted to the Citi Strata Card on July 20, 2025 cannot apply for the welcome bonus on the new Strata Card (they already have the product)
• ThankYou Points transfer partners available directly on the Citi Strata Card (per the Citi product page): JetBlue TrueBlue, Virgin Atlantic Flying Club, Cathay Pacific Asia Miles, EVA Air Infinity MileageLands, Choice Privileges, and Leading Hotels of the World Leaders Club, among others. There is no transfer fee and the minimum transfer is 1,000 ThankYou Points
• Transfer ratios on the Citi Strata Card are less favorable than on premium Strata Premier / Strata Elite siblings (TPG's Strata review explicitly cites 'poorer transfer ratios than premium Citi cards'); to access the full 15-airline + 5-hotel partner list at 1:1 premium ratios including American Airlines AAdvantage, Air France-KLM Flying Blue, Avianca LifeMiles, Singapore KrisFlyer, Qatar Privilege Club, Turkish Miles&Smiles and more, the cardholder must also hold a Strata Premier or Strata Elite
• ThankYou Points redemption options on the Citi Strata Card: book travel (flights, hotels, car rentals, experiences) at cititravel.com; redeem for gift cards and the broader rewards catalog at thankyou.com; use Shop with Points at participating merchants including Amazon, PayPal, and CVS; redeem for cash back via statement credit, direct deposit, or check; or transfer to the eligible airline and hotel partners listed above
• Citi Travel portal access: book flights, hotels, car rentals, and attractions, paying with the card, ThankYou Points, or a combination. Citi notes Citi Travel offers access to more than 1.4 million hotels and resorts worldwide
• Citi Entertainment: presale and exclusive ticket access for concerts, sporting events, dining experiences, and cultural events via citientertainment.com
• Citi Flex Pay: option to split eligible purchases of $75 or more into fixed monthly installment payments while continuing to earn ThankYou Points on the underlying purchase (subject to a Plan Fee or APR depending on plan terms)
• Mastercard credit card network (confirmed by Citi's Strata FAQ: 'The Citi Strata Card is a Mastercard')
• 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)
• Mastercard Global Service: 24/7 customer assistance for lost/stolen card replacement and emergency cash disbursement
• Contactless chip-enabled card; supports Apple Pay, Google Pay, Samsung Pay, and other digital wallets
• Citi Mobile App account management, automatic account alerts via email or text for balance / payments / credit-limit updates, and free FICO Score access for cardholders
• Authorized Users: cardholder can add Authorized Users at no additional cost and earn ThankYou Points on their spending
• 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)
• Cell phone protection: Not offered on the Citi Strata Card (TPG's Strata Card review confirms the card lacks the cell phone protection and most other premium travel insurances that are now common on competing no-annual-fee cards such as the Wells Fargo Autograph)
• Travel insurance: Not offered (no trip cancellation/interruption, no trip delay, no lost luggage, no travel accident insurance; these protections are reserved for Strata Premier and Strata Elite, which sit on Mastercard World Elite and World Legend tiers respectively)
• Rental car coverage: Not offered on Citi Strata. Auto rental collision coverage and MasterRental protections are documented on the higher-tier Strata Elite (Mastercard World Legend Guide to Protection Benefits, CRE388 06/25), not on the entry-level Strata Card
• Purchase protection / extended warranty / price protection: Not offered on Citi Strata (TPG review explicitly notes the Strata Card lacks the purchase and price-protection benefits associated with premium Mastercard tiers; these belong to Strata Elite via the World Legend Guide to Protection Benefits)
• Airport lounge access: Not offered (no Priority Pass, no Admirals Club passes; lounge access is reserved for the Citi Strata Elite, which provides Priority Pass Select with 2 guests plus 4 Admirals Club one-day passes per calendar year)
• Hotel / airline elite status: Not offered (no automatic Marriott, Hilton, or airline status; cardholders looking for status on the Citi side would need other co-branded cards such as the AAdvantage Executive)
• Statement credits / annual travel credits: Not offered (no Hotel Benefit, Splurge Credit, Blacklane Credit, or Global Entry/TSA PreCheck credit; the Strata Premier offers a $100 annual hotel credit on $500+ Citi-Travel stays and the Strata Elite offers the $300/$200/$200/$120 credit stack)
• Points rebate on redemption: Not offered (the Citi Rewards+ Card's 10% points rebate feature did NOT carry over to its successor Strata Card; TPG's review of the refreshed Strata calls this out, noting 'No points rebate' as a downside)
• Best-fit positioning per TPG: 'a great choice for those starting their journey in the Citi ThankYou Rewards points ecosystem' with no annual fee, and is most powerful when paired with a premium Citi Strata Premier or Citi Strata Elite to unlock the full transfer-partner list (including American AAdvantage) at 1:1 ratios; for international spend or trip protections, choose a different card