Citi Strata® Card
- Best for: Households that spend more at supermarkets, gas stations, and on transit than on purchases outside its bonus categories
- What Sets It Apart: 3x on transit and on a category you choose, with no annual fee
- Cost: $0 annual fee; 3% foreign transaction fee; 3% balance transfer fee for 4 months, then 5%; 18.74% to 28.74% variable APR after a 15-month 0% intro period
- Rewards: 5x on Citi Travel hotels, car rentals, and attractions; 3x at supermarkets, gas and EV charging stations, select transit, and one chosen category; 2x at restaurants; 1x on everything else
- Welcome Offer: 20,000 bonus points after $1,000 in purchases in the first 3 months
- Pros: 3x on everyday costs; category you can switch each quarter; 15 months at 0% on purchases and balance transfers
- Cons: 1x outside bonus categories; reduced airline transfer rates; no supermarket bonus at superstores or warehouse clubs; 3% foreign transaction fee
Get the Citi Strata® Card if you spend more at supermarkets, gas stations, and on transit than on purchases outside its bonus categories. It has no annual fee and pays 3 ThankYou points per dollar on all three, worth 3% toward gift cards. Purchases outside its bonus categories earn 1 point, half what a flat 2% card pays.
The Strata is the entry-level card in Citi’s Strata family of points cards, built for everyday spending, below the Citi Strata Premier, which costs $95 a year. It replaced the Citi Rewards+ Card in 2025, and its ThankYou points pay for gift cards and Citi Travel bookings or transfer to airline partners and hotel loyalty programs.
Key Features
- $0 annual fee
- 3 points per $1 at supermarkets, at gas and EV charging stations, on select transit, and in one category you choose
- 5 points per $1 on Citi Travel bookings of hotels, car rentals, and attractions, 2 per $1 at restaurants, and 1 per $1 on everything else
- 20,000 bonus points after $1,000 in purchases in the first three months
- 0% intro annual percentage rate (APR) on purchases and balance transfers for 15 months, then 18.74% to 28.74% variable
Pros
- Points worth a cent each toward gift cards, so the 3x categories return 3% and the bonus is worth $200
- Transit category that covers commuter trains, subways, buses, taxis, tolls, and parking
- A 3x category you can switch once a quarter among select streaming services, gyms, live entertainment, cosmetics stores and salons, and pet supply stores
- 15 months at 0% on new purchases as well as balance transfers
Cons
- 1 point per $1 outside its bonus categories, worth 1% toward gift cards, half a flat 2% card’s rate
- No supermarket bonus at superstores or warehouse clubs
- American AAdvantage transfers at 1,000 points to 700 miles, where the Strata Premier gets 1,000
- Balance transfer fee of 3% in the first four months and 5% after, $5 minimum
- 3% foreign transaction fee
Households whose spending at supermarkets, gas stations, and on transit tops their spending outside its bonus categories do better here than with a flat 2% card. Everyone else gets more from the Citi Double Cash, which pays 1% cash back when you buy and another 1% as you pay.
Learn more about the Citi Strata® Card or see how it compares to the best credit cards for everyday spending.
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