Citi Strata℠ Card
Annual Fee
$0
Sign-Up Bonus
$200
Spend $1,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Budget-friendly points card with automatic round-up on every purchase
Sign-Up Bonus
Bonus: 20,000 points
Requirement: Spend $1,000 in 3 months
Estimated value: $200Terms apply.
Reward Categories
Hotels, car rentals & attractions via Citi Travel
Supermarkets
Gas & EV charging + select transit
One self-select 3x category (default streaming; changeable quarterly)
Restaurants
Key Benefits
Pros & Cons
Pros
- + 5x on hotels/car rentals/attractions via Citi Travel
- + 3x on supermarkets, gas & transit, and a self-select category
- + No annual fee
- + Pairs well with Citi Premier for transfer partner access
Cons
- - Top 5x rate is limited to Citi Travel portal bookings
- - 2x base on restaurants, 1x on everything else
- - Self-select 3x category must be chosen each quarter
- - ThankYou points worth only 1¢ without Premier/Prestige pairing
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Recommended credit score: 670+
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