Citi Strata Card
The Citi Strata Card has no annual fee and earns ThankYou Points, including 3 points per $1 at supermarkets, at gas and EV charging stations and on select transit, and in one Self-Select Category the cardmember picks 2. Hotels, car rentals and attractions booked through Citi Travel earn 5 points per $1, and points can be transferred to airline and hotel partners 21.
Contents8 sections
At a glance
| Annual fee | $012 |
|---|---|
| Foreign transaction fee | 3% Of the U.S. dollar amount of each purchase1 |
| Rewards | Earns ThankYou Points: 5x on hotels, car rentals and attractions booked through Citi Travel; 3x at supermarkets, gas and EV charging stations and select transit, and one chosen Self-Select Category; 2x at restaurants; 1x on all other purchases. |
| Rewards program | Citi ThankYou Rewards |
| Network | Mastercard |
| Authorized users | No fee1 |
| Issuer | Citi · Official card page |
What to know about the Strata
The Self-Select Category is chosen from Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores 2. New accounts start with Select Streaming Services, and the choice can be changed once each calendar quarter, so a cardmember who never changes it earns the bonus only on streaming 2. Restaurants earn 2 points per $1 and all other purchases 1 point per $1 2.
For Citi Travel bookings paid partly with points, only the part charged to the card earns points, and cancelled bookings earn nothing 2. Supermarket earning excludes superstores, warehouse clubs, convenience stores, drugstores, specialty vendors and meal kit services 2.
Points can be used through Citi Travel, for gift cards, cash back and Shop with Points, or moved to partners including American Airlines, JetBlue, Virgin Atlantic and Choice Hotels, with a minimum transfer of 1,000 points 1. Foreign purchases carry a fee of 3% of the U.S. dollar amount of each purchase, and authorized users can be added without a fee 1. Other listed features are free FICO Score access, Mastercard ID Theft Protection (enrollment required) and Citi Entertainment ticket access 1. Travel insurance and purchase protection are not listed by the issuer for this card 12.
Earning rewards
| Rate | On |
|---|---|
| 5x points per $1 | Hotels, car rentals and attractions booked through Citi Travel (cititravel.com or 1-833-737-1288)Only the portion paid with the card earns points; no points on cancelled bookings2 |
| 3x points per $1 | SupermarketsExcludes superstores, warehouse clubs, convenience stores, drugstores, specialty vendors, meal kits and others2 |
| 3x points per $1 | Gas and EV charging stations and select transit2 |
| 3x points per $1 | One eligible Self-Select Category: Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply StoresDefault is Select Streaming Services; category can be changed once each calendar quarter2 |
| 2x points per $1 | Restaurants, including restaurant delivery2 |
| 1x points per $1 | All other purchases2 |
ThankYou Points can be used for Citi Travel, gift cards, cash back, Shop with Points, or transferred to airline and hotel partners (minimum transfer 1,000 points).1
Account features
| Free credit score | Free access to your FICO Score online.1 |
|---|
Other perks
| ThankYou Points transfer to airline and hotel partners | Partners named include American Airlines, JetBlue, Virgin Atlantic, Cathay, Eva Air, Choice Hotels, The Leading Hotels of the World and others; minimum transfer 1,000 points1 |
|---|---|
| Mastercard ID Theft Protection | Free identity monitoring program offered by Mastercard; enrollment required1 |
| Citi Entertainment | Presale and special-access tickets to events1 |
Not listed for this card
The Citi pages and benefit terms we checked for the Strata do not list these benefits:
- Rental car coverage
- Trip cancellation and interruption
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Travel and emergency assistance
- Roadside assistance
- Cell phone protection
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
- Hotel benefits program
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Citi, Citi Strata Card | Citi.com Checked Oct 10, 2026 · Back to text ↑
- 2
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